Call reports 2014
SIMPLYBANK. — 2014
What SIMPLYBANK. 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 | 245,370,000 | 253,657,000 | 254,881,000 | 253,179,000 |
| Total loans | 202,951,000 | 206,881,000 | 213,716,000 | 212,381,000 |
| Allowance for loan losses | 3,837,000 | 3,797,000 | 3,727,000 | 2,916,000 |
| Securities available for sale | 18,860,000 | 20,015,000 | 20,558,000 | 19,527,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,545,000 | 213,189,000 | 213,397,000 | 211,295,000 |
| Interest-bearing deposits | 174,260,000 | 171,663,000 | 171,177,000 | 171,306,000 |
| Noninterest-bearing deposits | 40,285,000 | 41,526,000 | 42,220,000 | 39,989,000 |
| Equity capital | 27,087,000 | 26,753,000 | 27,540,000 | 28,367,000 |
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 | 3,151,000 | 6,308,000 | 9,550,000 | 12,949,000 |
| Interest expense | 251,000 | 492,000 | 739,000 | 978,000 |
| Net interest income | 2,900,000 | 5,816,000 | 8,811,000 | 11,971,000 |
| Noninterest income | 407,000 | 839,000 | 1,237,000 | 1,569,000 |
| Noninterest expense | 1,917,000 | 3,946,000 | 6,006,000 | 8,095,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,390,000 | 2,709,000 | 4,042,000 | 5,445,000 |
| Income tax | 83,000 | 169,000 | 239,000 | 384,000 |
| Net income | 1,307,000 | 2,540,000 | 3,803,000 | 5,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,184,000 | 26,715,000 | 27,413,000 | 28,122,000 |
| Total capital | 29,439,000 | 29,041,000 | 29,798,000 | 30,493,000 |
| Risk-weighted assets | 178,793,000 | 184,595,000 | 189,482,000 | 189,132,000 |