Call reports 2014
PHELPS COUNTY BANK — 2014
What PHELPS COUNTY 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 | 325,107,000 | 335,227,000 | 337,124,000 | 345,405,000 |
| Total loans | 174,930,000 | 177,578,000 | 181,584,000 | 183,846,000 |
| Allowance for loan losses | 1,751,000 | 1,738,000 | 1,714,000 | 1,820,000 |
| Securities available for sale | 132,426,000 | 144,669,000 | 144,514,000 | 138,864,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,614,000 | 300,478,000 | 298,061,000 | 314,581,000 |
| Interest-bearing deposits | 253,084,000 | 256,154,000 | 250,946,000 | 268,480,000 |
| Noninterest-bearing deposits | 43,530,000 | 44,324,000 | 47,115,000 | 46,101,000 |
| Equity capital | 21,887,000 | 23,509,000 | 24,236,000 | 25,253,000 |
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 | 2,895,000 | 5,856,000 | 8,933,000 | 11,941,000 |
| Interest expense | 349,000 | 690,000 | 1,042,000 | 1,374,000 |
| Net interest income | 2,546,000 | 5,166,000 | 7,891,000 | 10,567,000 |
| Noninterest income | 700,000 | 1,425,000 | 2,222,000 | 2,978,000 |
| Noninterest expense | 2,372,000 | 4,694,000 | 7,040,000 | 9,342,000 |
| Provision for loan losses | 10,000 | 40,000 | 40,000 | 200,000 |
| Pretax income | 864,000 | 1,883,000 | 3,060,000 | 4,185,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | 861,000 | 1,880,000 | 3,057,000 | 4,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,650,000 | 23,920,000 | 25,096,000 | 24,878,000 |
| Total capital | 25,401,000 | 25,658,000 | 26,810,000 | 26,698,000 |
| Risk-weighted assets | 160,230,000 | 164,098,000 | 168,805,000 | 170,132,000 |