Call reports 2014
R BANK — 2014
What R 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 | 280,294,000 | 297,345,000 | 304,636,000 | 308,225,000 |
| Total loans | 178,192,000 | 199,873,000 | 206,261,000 | 205,316,000 |
| Allowance for loan losses | 2,039,000 | 2,299,000 | 2,515,000 | 2,608,000 |
| Securities available for sale | 62,745,000 | 57,681,000 | 56,571,000 | 56,888,000 |
| Securities held to maturity | 1,097,000 | 1,091,000 | 1,085,000 | 1,079,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,427,000 | 255,883,000 | 262,310,000 | 275,347,000 |
| Interest-bearing deposits | 215,626,000 | 222,142,000 | 231,299,000 | 236,609,000 |
| Noninterest-bearing deposits | 27,801,000 | 33,741,000 | 31,010,000 | 38,738,000 |
| Equity capital | 30,514,000 | 31,121,000 | 31,668,000 | 32,342,000 |
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 | 2,619,000 | 5,560,000 | 8,727,000 | 11,736,000 |
| Interest expense | 473,000 | 955,000 | 1,468,000 | 2,006,000 |
| Net interest income | 2,146,000 | 4,605,000 | 7,259,000 | 9,730,000 |
| Noninterest income | 165,000 | 361,000 | 640,000 | 945,000 |
| Noninterest expense | 1,816,000 | 3,696,000 | 5,603,000 | 7,610,000 |
| Provision for loan losses | 189,000 | 431,000 | 669,000 | 770,000 |
| Pretax income | 300,000 | 875,000 | 1,663,000 | 2,331,000 |
| Income tax | 39,000 | 170,000 | 374,000 | 537,000 |
| Net income | 261,000 | 705,000 | 1,289,000 | 1,794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,820,000 | 28,290,000 | 28,899,000 | 29,779,000 |
| Total capital | 29,859,000 | 30,590,000 | 31,414,000 | 32,387,000 |
| Risk-weighted assets | 196,378,000 | 214,087,000 | 218,931,000 | 221,149,000 |