Call reports 2014
STONE BANK — 2014
What STONE 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 | 73,570,000 | 79,786,000 | 83,547,000 | 88,463,000 |
| Total loans | 51,544,000 | 61,471,000 | 64,624,000 | 66,236,000 |
| Allowance for loan losses | 1,471,000 | 1,238,000 | 1,319,000 | 1,219,000 |
| Securities available for sale | 8,547,000 | 8,375,000 | 8,107,000 | 7,953,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,966,000 | 69,653,000 | 73,085,000 | 74,464,000 |
| Interest-bearing deposits | 59,704,000 | 64,902,000 | 68,333,000 | 69,196,000 |
| Noninterest-bearing deposits | 4,262,000 | 4,751,000 | 4,752,000 | 5,268,000 |
| Equity capital | 9,399,000 | 9,919,000 | 10,239,000 | 10,829,000 |
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 | 1,014,000 | 2,139,000 | 3,325,000 | 4,653,000 |
| Interest expense | 206,000 | 414,000 | 632,000 | 858,000 |
| Net interest income | 808,000 | 1,725,000 | 2,693,000 | 3,795,000 |
| Noninterest income | 521,000 | 1,245,000 | 1,701,000 | 2,516,000 |
| Noninterest expense | 762,000 | 1,598,000 | 2,483,000 | 3,527,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 522,000 | 1,282,000 | 1,776,000 | 2,604,000 |
| Income tax | 200,000 | 491,000 | 680,000 | 983,000 |
| Net income | 322,000 | 791,000 | 1,096,000 | 1,621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,834,000 | 8,624,000 | 9,131,000 | 9,910,000 |
| Total capital | 8,439,000 | 9,323,000 | 9,827,000 | 10,564,000 |
| Risk-weighted assets | 47,532,000 | 55,362,000 | 55,045,000 | 51,783,000 |