Call reports 2014
CLARKE COUNTY STATE BANK — 2014
What CLARKE COUNTY STATE 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 | 113,645,000 | 109,741,000 | 112,207,000 | 107,035,000 |
| Total loans | 70,698,000 | 70,695,000 | 71,356,000 | 70,573,000 |
| Allowance for loan losses | 1,539,000 | 1,549,000 | 1,468,000 | 1,283,000 |
| Securities available for sale | 23,000,000 | 28,312,000 | 27,020,000 | 26,753,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,083,000 | 88,176,000 | 92,378,000 | 88,012,000 |
| Interest-bearing deposits | 87,806,000 | 82,348,000 | 86,226,000 | 82,257,000 |
| Noninterest-bearing deposits | 6,277,000 | 5,828,000 | 6,152,000 | 5,755,000 |
| Equity capital | 12,641,000 | 12,737,000 | 12,816,000 | 12,567,000 |
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 | 931,000 | 1,873,000 | 2,816,000 | 3,750,000 |
| Interest expense | 154,000 | 305,000 | 453,000 | 581,000 |
| Net interest income | 777,000 | 1,568,000 | 2,363,000 | 3,169,000 |
| Noninterest income | 92,000 | 202,000 | 320,000 | 408,000 |
| Noninterest expense | 686,000 | 1,356,000 | 1,999,000 | 2,966,000 |
| Provision for loan losses | 0 | 0 | 0 | -200,000 |
| Pretax income | 183,000 | 407,000 | 701,000 | 828,000 |
| Income tax | 37,000 | 105,000 | 191,000 | 210,000 |
| Net income | 146,000 | 302,000 | 510,000 | 618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,940,000 | 12,012,000 | 12,270,000 | 12,248,000 |
| Total capital | 12,907,000 | 12,975,000 | 13,256,000 | 13,195,000 |
| Risk-weighted assets | 76,755,000 | 76,537,000 | 78,216,000 | 75,271,000 |