Call reports 2014
STATE BANK OF WHEATON — 2014
What STATE BANK OF WHEATON 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 | 74,028,000 | 72,186,000 | 73,172,000 | 75,723,000 |
| Total loans | 51,798,000 | 54,375,000 | 57,239,000 | 61,137,000 |
| Allowance for loan losses | 1,500,000 | 1,500,000 | 1,500,000 | 1,500,000 |
| Securities available for sale | 8,124,000 | 9,063,000 | 8,939,000 | 7,259,000 |
| Securities held to maturity | 18,000 | 17,000 | 15,000 | 14,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,000,000 | 57,048,000 | 56,308,000 | 60,080,000 |
| Interest-bearing deposits | 46,532,000 | 46,118,000 | 46,023,000 | 47,673,000 |
| Noninterest-bearing deposits | 12,468,000 | 10,930,000 | 10,285,000 | 12,407,000 |
| Equity capital | 14,745,000 | 14,792,000 | 14,781,000 | 15,438,000 |
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 | 652,000 | 1,317,000 | 2,015,000 | 2,763,000 |
| Interest expense | 59,000 | 119,000 | 179,000 | 236,000 |
| Net interest income | 593,000 | 1,198,000 | 1,836,000 | 2,527,000 |
| Noninterest income | 33,000 | 59,000 | 88,000 | 119,000 |
| Noninterest expense | 355,000 | 661,000 | 997,000 | 1,273,000 |
| Provision for loan losses | -19,000 | -20,000 | -20,000 | -250,000 |
| Pretax income | 290,000 | 616,000 | 947,000 | 1,623,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 289,000 | 615,000 | 946,000 | 1,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,652,000 | 14,682,000 | 14,676,000 | 15,353,000 |
| Total capital | 15,347,000 | 15,395,000 | 15,422,000 | 16,144,000 |
| Risk-weighted assets | 54,808,000 | 56,278,000 | 58,937,000 | 62,544,000 |