Call reports 2014
BENCHMARK COMMUNITY BANK — 2014
What BENCHMARK 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 | 472,268,000 | 480,971,000 | 477,274,000 | 489,936,000 |
| Total loans | 352,421,000 | 367,956,000 | 380,719,000 | 395,104,000 |
| Allowance for loan losses | 4,599,000 | 4,596,000 | 4,532,000 | 4,542,000 |
| Securities available for sale | 36,259,000 | 35,992,000 | 34,678,000 | 33,714,000 |
| Securities held to maturity | 4,000,000 | 3,998,000 | 3,998,000 | 2,998,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 415,374,000 | 423,707,000 | 419,103,000 | 431,244,000 |
| Interest-bearing deposits | 347,730,000 | 347,997,000 | 339,517,000 | 353,742,000 |
| Noninterest-bearing deposits | 67,644,000 | 75,710,000 | 79,585,000 | 77,502,000 |
| Equity capital | 52,429,000 | 53,332,000 | 55,158,000 | 55,730,000 |
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 | 5,305,000 | 10,704,000 | 16,269,000 | 21,992,000 |
| Interest expense | 706,000 | 1,405,000 | 2,090,000 | 2,757,000 |
| Net interest income | 4,599,000 | 9,299,000 | 14,179,000 | 19,235,000 |
| Noninterest income | 1,139,000 | 2,397,000 | 3,761,000 | 5,045,000 |
| Noninterest expense | 3,757,000 | 7,460,000 | 11,296,000 | 15,498,000 |
| Provision for loan losses | 0 | 0 | 0 | 142,000 |
| Pretax income | 1,981,000 | 4,235,000 | 6,643,000 | 8,639,000 |
| Income tax | 568,000 | 1,225,000 | 1,934,000 | 2,426,000 |
| Net income | 1,413,000 | 3,010,000 | 4,709,000 | 6,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,969,000 | 52,583,000 | 54,282,000 | 54,786,000 |
| Total capital | 55,882,000 | 56,636,000 | 58,442,000 | 59,098,000 |
| Risk-weighted assets | 312,341,000 | 323,736,000 | 332,447,000 | 344,695,000 |