Call reports 2014
ALMENA STATE BANK — 2014
What ALMENA 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 | 31,978,000 | 31,852,000 | 34,167,000 | 33,691,000 |
| Total loans | 28,771,000 | 28,783,000 | 30,668,000 | 30,467,000 |
| Allowance for loan losses | 251,000 | 266,000 | 281,000 | 271,000 |
| Securities available for sale | 1,007,000 | 864,000 | 859,000 | 874,000 |
| Securities held to maturity | 208,000 | 208,000 | 208,000 | 208,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,049,000 | 28,659,000 | 31,111,000 | 29,683,000 |
| Interest-bearing deposits | 22,633,000 | 24,149,000 | 23,987,000 | 23,095,000 |
| Noninterest-bearing deposits | 5,416,000 | 4,510,000 | 7,124,000 | 6,588,000 |
| Equity capital | 2,345,000 | 2,452,000 | 2,612,000 | 2,610,000 |
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 | 436,000 | 894,000 | 1,376,000 | 1,863,000 |
| Interest expense | 28,000 | 54,000 | 84,000 | 111,000 |
| Net interest income | 408,000 | 840,000 | 1,292,000 | 1,752,000 |
| Noninterest income | 56,000 | 154,000 | 313,000 | 459,000 |
| Noninterest expense | 365,000 | 740,000 | 1,127,000 | 1,601,000 |
| Provision for loan losses | 10,000 | 25,000 | 40,000 | 55,000 |
| Pretax income | 89,000 | 237,000 | 446,000 | 565,000 |
| Income tax | 4,000 | 10,000 | 16,000 | 19,000 |
| Net income | 85,000 | 227,000 | 430,000 | 546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,443,000 | 2,530,000 | 2,664,000 | 2,622,000 |
| Total capital | 2,694,000 | 2,796,000 | 2,945,000 | 2,893,000 |
| Risk-weighted assets | 27,056,000 | 27,635,000 | 29,086,000 | 28,623,000 |