Call reports 2014
S-BANK — 2014
What S-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 | 193,089,000 | 191,264,000 | 190,112,000 | 189,246,000 |
| Total loans | 124,495,000 | 130,035,000 | 130,624,000 | 132,436,000 |
| Allowance for loan losses | 897,000 | 897,000 | 897,000 | 874,000 |
| Securities available for sale | 48,016,000 | 43,726,000 | 39,624,000 | 42,402,000 |
| Securities held to maturity | 99,000 | 88,000 | 87,000 | 68,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,947,000 | 162,664,000 | 161,447,000 | 160,496,000 |
| Interest-bearing deposits | 133,488,000 | 136,872,000 | 136,846,000 | 132,154,000 |
| Noninterest-bearing deposits | 25,459,000 | 25,792,000 | 24,601,000 | 28,342,000 |
| Equity capital | 17,723,000 | 18,038,000 | 18,039,000 | 18,385,000 |
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 | 1,642,000 | 3,346,000 | 5,084,000 | 6,911,000 |
| Interest expense | 253,000 | 520,000 | 786,000 | 1,053,000 |
| Net interest income | 1,389,000 | 2,826,000 | 4,298,000 | 5,858,000 |
| Noninterest income | 145,000 | 217,000 | 342,000 | 502,000 |
| Noninterest expense | 1,541,000 | 3,040,000 | 4,569,000 | 5,912,000 |
| Provision for loan losses | 0 | 0 | 0 | 55,000 |
| Pretax income | -7,000 | 48,000 | 127,000 | 373,000 |
| Income tax | -12,000 | -2,000 | 21,000 | 97,000 |
| Net income | 5,000 | 50,000 | 106,000 | 276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,702,000 | 17,912,000 | 17,929,000 | 17,844,000 |
| Total capital | 18,696,000 | 18,906,000 | 18,923,000 | 18,850,000 |
| Risk-weighted assets | 132,865,000 | 135,073,000 | 133,203,000 | 133,513,000 |