Call reports 2014
STATE BANK OF BOTTINEAU — 2014
What STATE BANK OF BOTTINEAU 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 | 62,581,000 | 65,236,000 | 68,335,000 | 67,159,000 |
| Total loans | 45,434,000 | 52,494,000 | 56,435,000 | 53,825,000 |
| Allowance for loan losses | 484,000 | 495,000 | 503,000 | 510,000 |
| Securities available for sale | 4,922,000 | 4,589,000 | 4,429,000 | 4,311,000 |
| Securities held to maturity | 107,000 | 102,000 | 97,000 | 91,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,174,000 | 56,728,000 | 54,573,000 | 60,173,000 |
| Interest-bearing deposits | 45,630,000 | 43,700,000 | 42,604,000 | 45,119,000 |
| Noninterest-bearing deposits | 10,544,000 | 13,028,000 | 11,968,000 | 15,054,000 |
| Equity capital | 5,347,000 | 5,432,000 | 5,663,000 | 5,909,000 |
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 | 625,000 | 1,297,000 | 2,071,000 | 2,812,000 |
| Interest expense | 68,000 | 135,000 | 206,000 | 274,000 |
| Net interest income | 557,000 | 1,162,000 | 1,865,000 | 2,538,000 |
| Noninterest income | 42,000 | 83,000 | 304,000 | 348,000 |
| Noninterest expense | 415,000 | 846,000 | 1,531,000 | 2,003,000 |
| Provision for loan losses | 11,000 | 17,000 | 24,000 | 28,000 |
| Pretax income | 173,000 | 382,000 | 614,000 | 855,000 |
| Income tax | 0 | 0 | 0 | 3,000 |
| Net income | 173,000 | 382,000 | 614,000 | 852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,052,000 | 5,131,000 | 5,367,000 | 5,610,000 |
| Total capital | 5,536,000 | 5,626,000 | 5,870,000 | 6,120,000 |
| Risk-weighted assets | 46,363,000 | 52,061,000 | 55,045,000 | 53,418,000 |