Call reports 2014
STATE BANK OF DAVIS — 2014
What STATE BANK OF DAVIS 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 | 135,798,000 | 135,467,000 | 144,542,000 | 146,064,000 |
| Total loans | 87,559,000 | 89,301,000 | 92,182,000 | 102,056,000 |
| Allowance for loan losses | 1,821,000 | 1,512,000 | 1,636,000 | 1,861,000 |
| Securities available for sale | 42,757,000 | 40,456,000 | 39,310,000 | 38,543,000 |
| Securities held to maturity | 1,335,000 | 1,347,000 | 1,359,000 | 1,371,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,409,000 | 114,024,000 | 120,645,000 | 119,192,000 |
| Interest-bearing deposits | 103,855,000 | 104,026,000 | 107,628,000 | 104,893,000 |
| Noninterest-bearing deposits | 11,554,000 | 9,998,000 | 13,017,000 | 14,299,000 |
| Equity capital | 13,519,000 | 14,085,000 | 14,323,000 | 14,841,000 |
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 | 1,421,000 | 2,852,000 | 4,283,000 | 5,772,000 |
| Interest expense | 225,000 | 446,000 | 676,000 | 911,000 |
| Net interest income | 1,196,000 | 2,406,000 | 3,607,000 | 4,861,000 |
| Noninterest income | 76,000 | 117,000 | 113,000 | 199,000 |
| Noninterest expense | 524,000 | 1,022,000 | 1,530,000 | 2,041,000 |
| Provision for loan losses | 132,000 | 278,000 | 353,000 | 573,000 |
| Pretax income | 616,000 | 1,216,000 | 1,838,000 | 2,447,000 |
| Income tax | 185,000 | 367,000 | 559,000 | 747,000 |
| Net income | 431,000 | 849,000 | 1,279,000 | 1,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,411,000 | 13,634,000 | 13,869,000 | 14,107,000 |
| Total capital | 14,597,000 | 14,836,000 | 15,105,000 | 15,478,000 |
| Risk-weighted assets | 94,274,000 | 95,813,000 | 98,453,000 | 109,228,000 |