Call reports 2014
BANK OF SAINT ELIZABETH — 2014
What BANK OF SAINT ELIZABETH 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 | 107,373,000 | 108,208,000 | 110,280,000 | 112,663,000 |
| Total loans | 84,661,000 | 85,264,000 | 86,282,000 | 86,798,000 |
| Allowance for loan losses | 699,000 | 711,000 | 768,000 | 725,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,115,000 | 92,949,000 | 94,621,000 | 96,899,000 |
| Interest-bearing deposits | 73,081,000 | 73,964,000 | 74,463,000 | 75,019,000 |
| Noninterest-bearing deposits | 18,034,000 | 18,985,000 | 20,158,000 | 21,880,000 |
| Equity capital | 12,450,000 | 12,564,000 | 12,985,000 | 13,071,000 |
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 | 1,274,000 | 2,562,000 | 3,883,000 | 5,203,000 |
| Interest expense | 149,000 | 289,000 | 425,000 | 558,000 |
| Net interest income | 1,125,000 | 2,273,000 | 3,458,000 | 4,645,000 |
| Noninterest income | 157,000 | 325,000 | 488,000 | 640,000 |
| Noninterest expense | 731,000 | 1,433,000 | 2,110,000 | 3,191,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 551,000 | 1,165,000 | 1,836,000 | 2,094,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 551,000 | 1,165,000 | 1,836,000 | 2,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,464,000 | 9,604,000 | 10,051,000 | 10,163,000 |
| Total capital | 10,163,000 | 10,315,000 | 10,819,000 | 10,888,000 |
| Risk-weighted assets | 78,958,000 | 76,286,000 | 66,094,000 | 65,385,000 |