Call reports 2014
FOUNDERS COMMUNITY BANK — 2014
What FOUNDERS COMMUNITY 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 | 161,478,000 | 168,104,000 | 168,977,000 | 168,808,000 |
| Total loans | 111,173,000 | 108,346,000 | 105,546,000 | 103,747,000 |
| Allowance for loan losses | 1,697,000 | 1,698,000 | 1,702,000 | 1,736,000 |
| Securities available for sale | 11,737,000 | 7,215,000 | 8,161,000 | 6,134,000 |
| Securities held to maturity | 0 | 0 | 1,500,000 | 3,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,314,000 | 151,849,000 | 152,720,000 | 152,496,000 |
| Interest-bearing deposits | 82,846,000 | 83,123,000 | 84,753,000 | 85,632,000 |
| Noninterest-bearing deposits | 62,468,000 | 68,726,000 | 67,967,000 | 66,864,000 |
| Equity capital | 16,025,000 | 16,071,000 | 16,088,000 | 16,140,000 |
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 | 1,858,000 | 3,685,000 | 5,494,000 | 7,315,000 |
| Interest expense | 66,000 | 132,000 | 198,000 | 269,000 |
| Net interest income | 1,792,000 | 3,553,000 | 5,296,000 | 7,046,000 |
| Noninterest income | 81,000 | 176,000 | 294,000 | 408,000 |
| Noninterest expense | 1,162,000 | 2,318,000 | 3,481,000 | 4,650,000 |
| Provision for loan losses | 56,000 | 56,000 | 58,000 | 61,000 |
| Pretax income | 655,000 | 1,355,000 | 2,051,000 | 2,743,000 |
| Income tax | 274,000 | 562,000 | 840,000 | 1,099,000 |
| Net income | 381,000 | 793,000 | 1,211,000 | 1,644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,062,000 | 16,103,000 | 16,120,000 | 16,148,000 |
| Total capital | 17,562,000 | 17,627,000 | 17,590,000 | 17,600,000 |
| Risk-weighted assets | 119,793,000 | 121,699,000 | 117,348,000 | 115,886,000 |