Call reports 2014
FIRST SOUND BANK — 2014
What FIRST SOUND 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 | 100,685,000 | 97,846,000 | 96,511,000 | 102,203,000 |
| Total loans | 81,130,000 | 85,058,000 | 84,339,000 | 89,602,000 |
| Allowance for loan losses | 1,291,000 | 1,313,000 | 1,299,000 | 1,299,000 |
| Securities available for sale | 2,000 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,234,000 | 85,404,000 | 84,267,000 | 88,929,000 |
| Interest-bearing deposits | 67,106,000 | 61,815,000 | 60,425,000 | 64,611,000 |
| Noninterest-bearing deposits | 21,128,000 | 23,589,000 | 23,842,000 | 24,318,000 |
| Equity capital | 9,807,000 | 9,861,000 | 9,728,000 | 9,749,000 |
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 | 1,006,000 | 1,966,000 | 2,947,000 | 3,925,000 |
| Interest expense | 95,000 | 192,000 | 291,000 | 390,000 |
| Net interest income | 911,000 | 1,774,000 | 2,656,000 | 3,535,000 |
| Noninterest income | 371,000 | 589,000 | 666,000 | 745,000 |
| Noninterest expense | 1,120,000 | 2,167,000 | 3,270,000 | 4,228,000 |
| Provision for loan losses | 20,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 142,000 | 166,000 | 22,000 | 22,000 |
| Income tax | 28,000 | 10,000 | 10,000 | 0 |
| Net income | 114,000 | 156,000 | 12,000 | 22,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,807,000 | 9,861,000 | 9,728,000 | 9,749,000 |
| Total capital | 10,799,000 | 10,892,000 | 10,743,000 | 10,831,000 |
| Risk-weighted assets | 79,084,000 | 82,193,000 | 80,888,000 | 86,293,000 |