Call reports 2014
STATE BANK OF DE KALB — 2014
What STATE BANK OF DE KALB 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 | 150,291,000 | 160,443,000 | 160,550,000 | 159,782,000 |
| Total loans | 119,984,000 | 133,309,000 | 134,454,000 | 133,022,000 |
| Allowance for loan losses | 1,775,000 | 1,872,000 | 2,006,000 | 2,072,000 |
| Securities available for sale | 96,000 | 87,000 | 79,000 | 71,000 |
| Securities held to maturity | 2,397,000 | 2,085,000 | 1,976,000 | 1,673,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,921,000 | 124,127,000 | 127,116,000 | 127,411,000 |
| Interest-bearing deposits | 94,275,000 | 93,868,000 | 96,227,000 | 96,835,000 |
| Noninterest-bearing deposits | 31,646,000 | 30,259,000 | 30,889,000 | 30,576,000 |
| Equity capital | 19,006,000 | 19,303,000 | 19,688,000 | 20,005,000 |
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 | 1,705,000 | 3,537,000 | 5,459,000 | 7,340,000 |
| Interest expense | 106,000 | 219,000 | 339,000 | 458,000 |
| Net interest income | 1,599,000 | 3,318,000 | 5,120,000 | 6,882,000 |
| Noninterest income | 290,000 | 649,000 | 1,035,000 | 1,326,000 |
| Noninterest expense | 1,164,000 | 2,300,000 | 3,452,000 | 4,583,000 |
| Provision for loan losses | 27,000 | 150,000 | 281,000 | 367,000 |
| Pretax income | 698,000 | 1,515,000 | 2,420,000 | 3,256,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 698,000 | 1,515,000 | 2,420,000 | 3,256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,005,000 | 19,302,000 | 19,687,000 | 20,004,000 |
| Total capital | 20,451,000 | 20,850,000 | 21,239,000 | 21,545,000 |
| Risk-weighted assets | 115,331,000 | 123,487,000 | 123,714,000 | 122,683,000 |