Call reports 2014
FIRST STATE BANK OF ST. ROBERT — 2014
What FIRST STATE BANK OF ST. ROBERT 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 | 96,124,000 | 95,656,000 | 95,128,000 | 95,212,000 |
| Total loans | 49,640,000 | 51,643,000 | 52,660,000 | 54,387,000 |
| Allowance for loan losses | 901,000 | 925,000 | 955,000 | 951,000 |
| Securities available for sale | 27,196,000 | 27,132,000 | 25,196,000 | 21,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,170,000 | 84,736,000 | 84,042,000 | 83,924,000 |
| Interest-bearing deposits | 72,783,000 | 72,061,000 | 70,532,000 | 69,579,000 |
| Noninterest-bearing deposits | 12,387,000 | 12,675,000 | 13,510,000 | 14,345,000 |
| Equity capital | 10,692,000 | 10,723,000 | 10,892,000 | 11,071,000 |
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 | 944,000 | 1,891,000 | 2,847,000 | 3,813,000 |
| Interest expense | 119,000 | 238,000 | 341,000 | 438,000 |
| Net interest income | 825,000 | 1,653,000 | 2,506,000 | 3,375,000 |
| Noninterest income | 136,000 | 31,000 | 173,000 | 341,000 |
| Noninterest expense | 767,000 | 1,558,000 | 2,332,000 | 3,137,000 |
| Provision for loan losses | 22,000 | 45,000 | 68,000 | 68,000 |
| Pretax income | 172,000 | 81,000 | 279,000 | 511,000 |
| Income tax | 38,000 | -21,000 | 30,000 | 93,000 |
| Net income | 134,000 | 102,000 | 249,000 | 418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,773,000 | 10,741,000 | 10,888,000 | 11,057,000 |
| Total capital | 11,452,000 | 11,423,000 | 11,571,000 | 11,767,000 |
| Risk-weighted assets | 54,058,000 | 54,296,000 | 54,345,000 | 56,546,000 |