Call reports 2014
BEAUREGARD FEDERAL SAVINGS BANK — 2014
What BEAUREGARD FEDERAL 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 | 56,555,000 | 54,918,000 | 56,369,000 | 57,479,000 |
| Total loans | 33,567,000 | 33,537,000 | 33,239,000 | 32,082,000 |
| Allowance for loan losses | 631,000 | 653,000 | 548,000 | 557,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,479,000 | 15,557,000 | 14,592,000 | 15,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,326,000 | 44,636,000 | 45,800,000 | 47,256,000 |
| Interest-bearing deposits | 44,596,000 | 43,462,000 | 44,657,000 | 46,223,000 |
| Noninterest-bearing deposits | 1,730,000 | 1,174,000 | 1,143,000 | 1,033,000 |
| Equity capital | 10,006,000 | 10,059,000 | 10,236,000 | 9,942,000 |
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 | 746,000 | 1,485,000 | 2,211,000 | 2,922,000 |
| Interest expense | 75,000 | 150,000 | 225,000 | 297,000 |
| Net interest income | 671,000 | 1,335,000 | 1,986,000 | 2,625,000 |
| Noninterest income | 30,000 | 53,000 | 81,000 | 116,000 |
| Noninterest expense | 399,000 | 802,000 | 1,182,000 | 1,571,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 287,000 | 556,000 | 845,000 | 1,115,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 287,000 | 556,000 | 845,000 | 1,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,006,000 | 10,059,000 | 10,236,000 | 9,942,000 |
| Total capital | 10,365,000 | 10,418,000 | 10,596,000 | 10,298,000 |
| Risk-weighted assets | 28,408,000 | 28,386,000 | 28,584,000 | 28,266,000 |