Call reports 2014
SHARON BANK — 2014
What SHARON 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 | 209,407,000 | 207,202,000 | 191,306,000 | 182,755,000 |
| Total loans | 59,194,000 | 58,066,000 | 56,095,000 | 56,288,000 |
| Allowance for loan losses | 374,000 | 460,000 | 221,000 | 228,000 |
| Securities available for sale | 97,357,000 | 101,017,000 | 100,166,000 | 95,664,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,421,000 | 178,949,000 | 164,999,000 | 156,914,000 |
| Interest-bearing deposits | 172,952,000 | 170,668,000 | 159,119,000 | 151,760,000 |
| Noninterest-bearing deposits | 8,469,000 | 8,281,000 | 5,880,000 | 5,154,000 |
| Equity capital | 21,021,000 | 21,375,000 | 21,135,000 | 21,060,000 |
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 | 1,531,000 | 3,040,000 | 4,473,000 | 5,880,000 |
| Interest expense | 379,000 | 729,000 | 1,047,000 | 1,340,000 |
| Net interest income | 1,152,000 | 2,311,000 | 3,426,000 | 4,540,000 |
| Noninterest income | 77,000 | 152,000 | 289,000 | 311,000 |
| Noninterest expense | 1,346,000 | 2,559,000 | 3,830,000 | 5,049,000 |
| Provision for loan losses | 120,000 | 206,000 | 257,000 | 293,000 |
| Pretax income | -237,000 | -302,000 | -365,000 | -484,000 |
| Income tax | -114,000 | -97,000 | -136,000 | -97,000 |
| Net income | -123,000 | -205,000 | -229,000 | -387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,556,000 | 19,873,000 | 19,743,000 | 19,547,000 |
| Total capital | 21,930,000 | 20,333,000 | 19,964,000 | 19,775,000 |
| Risk-weighted assets | 110,123,000 | 111,220,000 | 106,075,000 | 103,445,000 |