Call reports 2014
DEARBORN SAVINGS BANK — 2014
What DEARBORN SAVINGS 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 | 117,843,000 | 122,090,000 | 116,001,000 | 119,600,000 |
| Total loans | 88,079,000 | 87,596,000 | 87,066,000 | 88,000,000 |
| Allowance for loan losses | 981,000 | 933,000 | 934,000 | 904,000 |
| Securities available for sale | 11,123,000 | 11,210,000 | 10,416,000 | 6,886,000 |
| Securities held to maturity | 3,401,000 | 5,128,000 | 5,098,000 | 5,075,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,256,000 | 93,678,000 | 88,394,000 | 90,922,000 |
| Interest-bearing deposits | 86,501,000 | 89,755,000 | 84,385,000 | 86,838,000 |
| Noninterest-bearing deposits | 3,755,000 | 3,923,000 | 4,009,000 | 4,084,000 |
| Equity capital | 16,689,000 | 17,087,000 | 17,323,000 | 17,609,000 |
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 | 1,096,000 | 2,170,000 | 3,236,000 | 4,301,000 |
| Interest expense | 163,000 | 327,000 | 489,000 | 650,000 |
| Net interest income | 933,000 | 1,843,000 | 2,747,000 | 3,651,000 |
| Noninterest income | 157,000 | 321,000 | 418,000 | 540,000 |
| Noninterest expense | 759,000 | 1,460,000 | 2,107,000 | 2,782,000 |
| Provision for loan losses | 0 | -20,000 | -40,000 | -70,000 |
| Pretax income | 331,000 | 722,000 | 1,096,000 | 1,549,000 |
| Income tax | 107,000 | 246,000 | 369,000 | 528,000 |
| Net income | 224,000 | 476,000 | 727,000 | 1,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,701,000 | 17,011,000 | 17,262,000 | 17,555,000 |
| Total capital | 17,661,000 | 17,944,000 | 18,196,000 | 18,459,000 |
| Risk-weighted assets | 76,811,000 | 78,334,000 | 76,509,000 | 75,249,000 |