Call reports 2014
BUSINESS BANK, THE — 2014
What BUSINESS BANK, THE 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 | 252,119,000 | 253,100,000 | 248,658,000 | 256,830,000 |
| Total loans | 169,357,000 | 162,062,000 | 156,635,000 | 156,792,000 |
| Allowance for loan losses | 5,136,000 | 5,325,000 | 5,495,000 | 5,663,000 |
| Securities available for sale | 55,951,000 | 57,192,000 | 56,391,000 | 58,830,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,739,000 | 218,178,000 | 213,654,000 | 221,342,000 |
| Interest-bearing deposits | 194,894,000 | 194,171,000 | 187,529,000 | 194,569,000 |
| Noninterest-bearing deposits | 22,845,000 | 24,008,000 | 26,125,000 | 26,773,000 |
| Equity capital | 31,937,000 | 32,343,000 | 32,552,000 | 32,843,000 |
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 | 2,171,000 | 4,301,000 | 6,417,000 | 8,439,000 |
| Interest expense | 566,000 | 1,103,000 | 1,613,000 | 2,093,000 |
| Net interest income | 1,605,000 | 3,198,000 | 4,804,000 | 6,346,000 |
| Noninterest income | 17,000 | 3,000 | 16,000 | 26,000 |
| Noninterest expense | 1,104,000 | 2,164,000 | 3,207,000 | 4,300,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 367,000 | 736,000 | 1,162,000 | 1,471,000 |
| Income tax | 123,000 | 247,000 | 395,000 | 497,000 |
| Net income | 244,000 | 489,000 | 767,000 | 974,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,223,000 | 32,468,000 | 32,746,000 | 32,953,000 |
| Total capital | 34,559,000 | 34,708,000 | 34,928,000 | 35,133,000 |
| Risk-weighted assets | 184,078,000 | 176,136,000 | 171,248,000 | 170,880,000 |