Call reports 2014
LOUISA COMMUNITY BANK — 2014
What LOUISA 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 | 29,120,000 | 29,112,000 | 31,172,000 | 31,426,000 |
| Total loans | 23,235,000 | 23,754,000 | 25,413,000 | 26,246,000 |
| Allowance for loan losses | 405,000 | 383,000 | 413,000 | 444,000 |
| Securities available for sale | 951,000 | 903,000 | 838,000 | 777,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,020,000 | 23,879,000 | 23,670,000 | 23,544,000 |
| Interest-bearing deposits | 21,099,000 | 21,133,000 | 20,902,000 | 20,286,000 |
| Noninterest-bearing deposits | 2,921,000 | 2,746,000 | 2,768,000 | 3,258,000 |
| Equity capital | 4,565,000 | 4,668,000 | 4,663,000 | 5,111,000 |
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 | 347,000 | 693,000 | 1,058,000 | 1,435,000 |
| Interest expense | 43,000 | 87,000 | 130,000 | 173,000 |
| Net interest income | 304,000 | 606,000 | 928,000 | 1,262,000 |
| Noninterest income | 67,000 | 139,000 | 214,000 | 287,000 |
| Noninterest expense | 276,000 | 524,000 | 793,000 | 1,078,000 |
| Provision for loan losses | 15,000 | 45,000 | 75,000 | 105,000 |
| Pretax income | 80,000 | 176,000 | 274,000 | 366,000 |
| Income tax | 0 | 0 | 0 | -290,000 |
| Net income | 80,000 | 176,000 | 274,000 | 656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,513,000 | 4,610,000 | 4,609,000 | 5,061,000 |
| Total capital | 4,805,000 | 4,905,000 | 4,924,000 | 5,386,000 |
| Risk-weighted assets | 23,221,000 | 23,505,000 | 25,105,000 | 25,845,000 |