Call reports 2014
SMALL TOWN BANK — 2014
What SMALL TOWN 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 | 217,710,000 | 217,518,000 | 213,729,000 | 217,867,000 |
| Total loans | 92,793,000 | 94,019,000 | 92,425,000 | 93,142,000 |
| Allowance for loan losses | 2,519,000 | 2,433,000 | 2,401,000 | 2,214,000 |
| Securities available for sale | 102,051,000 | 102,190,000 | 100,527,000 | 99,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,108,000 | 175,173,000 | 170,500,000 | 174,021,000 |
| Interest-bearing deposits | 156,504,000 | 150,894,000 | 148,483,000 | 150,882,000 |
| Noninterest-bearing deposits | 20,604,000 | 24,280,000 | 22,017,000 | 23,139,000 |
| Equity capital | 32,552,000 | 34,146,000 | 35,060,000 | 36,020,000 |
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 | 2,434,000 | 4,889,000 | 7,291,000 | 9,584,000 |
| Interest expense | 427,000 | 831,000 | 1,218,000 | 1,591,000 |
| Net interest income | 2,007,000 | 4,058,000 | 6,073,000 | 7,993,000 |
| Noninterest income | 249,000 | 533,000 | 795,000 | 834,000 |
| Noninterest expense | 1,204,000 | 2,382,000 | 3,565,000 | 4,762,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,052,000 | 2,209,000 | 3,303,000 | 4,065,000 |
| Income tax | 207,000 | 523,000 | 784,000 | 935,000 |
| Net income | 845,000 | 1,686,000 | 2,519,000 | 3,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,244,000 | 31,070,000 | 31,920,000 | 32,547,000 |
| Total capital | 31,845,000 | 32,695,000 | 33,509,000 | 34,134,000 |
| Risk-weighted assets | 127,199,000 | 129,199,000 | 126,305,000 | 126,370,000 |