Call reports 2014
BATH STATE BANK — 2014
What BATH STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 150,072,000 | 145,916,000 | 147,340,000 | 145,881,000 |
| Total loans | 98,786,000 | 102,761,000 | 103,433,000 | 105,476,000 |
| Allowance for loan losses | 2,479,000 | 2,596,000 | 2,370,000 | 2,394,000 |
| Securities available for sale | 33,797,000 | 31,875,000 | 29,743,000 | 28,106,000 |
| Securities held to maturity | 311,000 | 292,000 | 264,000 | 254,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,223,000 | 128,133,000 | 129,668,000 | 128,037,000 |
| Interest-bearing deposits | 117,700,000 | 115,158,000 | 116,387,000 | 114,669,000 |
| Noninterest-bearing deposits | 14,524,000 | 12,974,000 | 13,282,000 | 13,368,000 |
| Equity capital | 14,843,000 | 14,726,000 | 14,431,000 | 14,994,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,548,000 | 3,096,000 | 4,691,000 | 6,370,000 |
| Interest expense | 297,000 | 582,000 | 866,000 | 1,137,000 |
| Net interest income | 1,251,000 | 2,514,000 | 3,825,000 | 5,233,000 |
| Noninterest income | 149,000 | 278,000 | 404,000 | 581,000 |
| Noninterest expense | 1,039,000 | 1,969,000 | 3,078,000 | 3,959,000 |
| Provision for loan losses | 50,000 | 100,000 | -50,000 | -25,000 |
| Pretax income | 311,000 | 723,000 | 1,201,000 | 1,880,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 310,000 | 722,000 | 1,200,000 | 1,879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,298,000 | 14,077,000 | 13,878,000 | 14,361,000 |
| Total capital | 15,428,000 | 15,215,000 | 15,031,000 | 15,537,000 |
| Risk-weighted assets | 89,323,000 | 89,846,000 | 91,209,000 | 93,051,000 |