Call reports 2014
FIRST BANK OF BANCROFT — 2014
What FIRST BANK OF BANCROFT 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 | 21,813,000 | 22,386,000 | 21,752,000 | 23,665,000 |
| Total loans | 8,889,000 | 8,412,000 | 8,553,000 | 10,942,000 |
| Allowance for loan losses | 128,000 | 129,000 | 122,000 | 118,000 |
| Securities available for sale | 6,615,000 | 7,249,000 | 6,425,000 | 6,117,000 |
| Securities held to maturity | 400,000 | 400,000 | 400,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,483,000 | 18,961,000 | 18,293,000 | 17,218,000 |
| Interest-bearing deposits | 14,554,000 | 14,680,000 | 13,986,000 | 13,527,000 |
| Noninterest-bearing deposits | 3,929,000 | 4,281,000 | 4,307,000 | 3,691,000 |
| Equity capital | 3,229,000 | 3,298,000 | 3,330,000 | 3,256,000 |
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 | 174,000 | 348,000 | 522,000 | 710,000 |
| Interest expense | 16,000 | 32,000 | 44,000 | 56,000 |
| Net interest income | 158,000 | 316,000 | 478,000 | 654,000 |
| Noninterest income | 14,000 | 30,000 | 45,000 | 55,000 |
| Noninterest expense | 129,000 | 261,000 | 397,000 | 573,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 43,000 | 85,000 | 126,000 | 136,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 19,000 |
| Net income | 38,000 | 75,000 | 111,000 | 117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,263,000 | 3,301,000 | 3,336,000 | 3,242,000 |
| Total capital | 3,391,000 | 3,430,000 | 3,458,000 | 3,360,000 |
| Risk-weighted assets | 11,267,000 | 10,818,000 | 10,728,000 | 13,126,000 |