Call reports 2014
STROUD NATIONAL BANK — 2014
What STROUD NATIONAL 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 | 80,582,000 | 82,962,000 | 83,720,000 | 84,890,000 |
| Total loans | 45,725,000 | 46,465,000 | 49,430,000 | 49,258,000 |
| Allowance for loan losses | 910,000 | 858,000 | 872,000 | 852,000 |
| Securities available for sale | 24,834,000 | 25,872,000 | 21,066,000 | 22,928,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,829,000 | 65,866,000 | 66,553,000 | 67,827,000 |
| Interest-bearing deposits | 49,037,000 | 49,864,000 | 50,918,000 | 50,730,000 |
| Noninterest-bearing deposits | 14,792,000 | 16,002,000 | 15,635,000 | 17,097,000 |
| Equity capital | 8,102,000 | 8,510,000 | 8,676,000 | 8,922,000 |
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 | 928,000 | 1,872,000 | 2,862,000 | 3,858,000 |
| Interest expense | 137,000 | 275,000 | 411,000 | 547,000 |
| Net interest income | 791,000 | 1,597,000 | 2,451,000 | 3,311,000 |
| Noninterest income | 206,000 | 508,000 | 723,000 | 934,000 |
| Noninterest expense | 882,000 | 1,774,000 | 2,629,000 | 3,518,000 |
| Provision for loan losses | 15,000 | 25,000 | 48,000 | 58,000 |
| Pretax income | 100,000 | 312,000 | 500,000 | 684,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 100,000 | 312,000 | 500,000 | 684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,400,000 | 8,521,000 | 8,619,000 | 8,712,000 |
| Total capital | 9,037,000 | 9,128,000 | 9,285,000 | 9,365,000 |
| Risk-weighted assets | 50,712,000 | 51,358,000 | 53,380,000 | 53,094,000 |