Call reports 2014
STATE BANK OF HERSCHER — 2014
What STATE BANK OF HERSCHER 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 | 149,251,000 | 138,490,000 | 138,523,000 | 135,613,000 |
| Total loans | 86,670,000 | 81,625,000 | 82,619,000 | 79,914,000 |
| Allowance for loan losses | 5,052,000 | 3,633,000 | 3,564,000 | 3,459,000 |
| Securities available for sale | 43,993,000 | 42,602,000 | 36,883,000 | 37,068,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,711,000 | 130,458,000 | 132,233,000 | 127,763,000 |
| Interest-bearing deposits | 119,119,000 | 109,402,000 | 113,500,000 | 106,837,000 |
| Noninterest-bearing deposits | 21,592,000 | 21,056,000 | 18,733,000 | 20,926,000 |
| Equity capital | 2,864,000 | 2,722,000 | 2,779,000 | 2,605,000 |
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 | 1,334,000 | 2,626,000 | 3,872,000 | 5,112,000 |
| Interest expense | 161,000 | 310,000 | 433,000 | 542,000 |
| Net interest income | 1,173,000 | 2,316,000 | 3,439,000 | 4,570,000 |
| Noninterest income | 76,000 | 239,000 | -237,000 | -1,221,000 |
| Noninterest expense | 1,236,000 | 3,212,000 | 4,140,000 | 5,045,000 |
| Provision for loan losses | 579,000 | 789,000 | 789,000 | 789,000 |
| Pretax income | -566,000 | -1,446,000 | -1,727,000 | -2,485,000 |
| Income tax | 0 | -19,000 | -19,000 | -20,000 |
| Net income | -566,000 | -1,427,000 | -1,708,000 | -2,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,733,000 | 3,894,000 | 3,614,000 | 2,857,000 |
| Total capital | 5,925,000 | 5,016,000 | 4,709,000 | 3,916,000 |
| Risk-weighted assets | 91,527,000 | 87,290,000 | 87,117,000 | 82,339,000 |