Call reports 2014
TEMPO BANK — 2014
What TEMPO 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 | 94,095,000 | 92,652,000 | 91,375,000 | 91,706,000 |
| Total loans | 73,690,000 | 74,330,000 | 75,296,000 | 75,742,000 |
| Allowance for loan losses | 304,000 | 281,000 | 287,000 | 242,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,355,000 | 74,144,000 | 73,982,000 | 74,255,000 |
| Interest-bearing deposits | 65,208,000 | 64,793,000 | 65,118,000 | 64,031,000 |
| Noninterest-bearing deposits | 13,147,000 | 9,351,000 | 8,864,000 | 10,224,000 |
| Equity capital | 9,972,000 | 11,224,000 | 11,296,000 | 11,384,000 |
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 | 847,000 | 1,709,000 | 2,529,000 | 3,375,000 |
| Interest expense | 170,000 | 347,000 | 527,000 | 710,000 |
| Net interest income | 677,000 | 1,362,000 | 2,002,000 | 2,665,000 |
| Noninterest income | 35,000 | 45,000 | 70,000 | 61,000 |
| Noninterest expense | 615,000 | 1,198,000 | 1,777,000 | 2,344,000 |
| Provision for loan losses | -50,000 | -73,000 | -67,000 | -112,000 |
| Pretax income | 147,000 | 282,000 | 362,000 | 494,000 |
| Income tax | 49,000 | 102,000 | 134,000 | 186,000 |
| Net income | 98,000 | 180,000 | 228,000 | 308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,972,000 | 11,224,000 | 11,296,000 | 11,384,000 |
| Total capital | 10,276,000 | 11,505,000 | 11,583,000 | 11,626,000 |
| Risk-weighted assets | 46,259,000 | 45,829,000 | 46,173,000 | 45,835,000 |