Call reports 2014
BANK OF ERATH — 2014
What BANK OF ERATH 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 | 98,368,000 | 97,060,000 | 98,141,000 | 99,448,000 |
| Total loans | 56,452,000 | 58,107,000 | 59,393,000 | 59,532,000 |
| Allowance for loan losses | 609,000 | 601,000 | 587,000 | 632,000 |
| Securities available for sale | 25,436,000 | 26,188,000 | 25,080,000 | 24,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,199,000 | 83,489,000 | 84,131,000 | 86,273,000 |
| Interest-bearing deposits | 53,777,000 | 52,980,000 | 53,568,000 | 53,902,000 |
| Noninterest-bearing deposits | 31,422,000 | 30,509,000 | 30,563,000 | 32,371,000 |
| Equity capital | 12,679,000 | 12,885,000 | 13,135,000 | 12,825,000 |
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 | 996,000 | 1,975,000 | 2,982,000 | 4,012,000 |
| Interest expense | 65,000 | 128,000 | 191,000 | 253,000 |
| Net interest income | 931,000 | 1,847,000 | 2,791,000 | 3,759,000 |
| Noninterest income | 103,000 | 199,000 | 303,000 | 396,000 |
| Noninterest expense | 789,000 | 1,632,000 | 2,396,000 | 3,377,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 245,000 | 414,000 | 698,000 | 703,000 |
| Income tax | 61,000 | 106,000 | 170,000 | 128,000 |
| Net income | 184,000 | 308,000 | 528,000 | 575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,600,000 | 12,649,000 | 12,868,000 | 12,562,000 |
| Total capital | 13,209,000 | 13,250,000 | 13,455,000 | 13,194,000 |
| Risk-weighted assets | 67,892,000 | 68,400,000 | 71,039,000 | 73,464,000 |