Call reports 2014
STATE BANK OF SAUNEMIN — 2014
What STATE BANK OF SAUNEMIN 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 | 36,866,000 | 36,405,000 | 35,885,000 | 37,311,000 |
| Total loans | 17,542,000 | 18,213,000 | 16,308,000 | 19,762,000 |
| Allowance for loan losses | 230,000 | 236,000 | 236,000 | 236,000 |
| Securities available for sale | 13,776,000 | 13,529,000 | 14,165,000 | 12,324,000 |
| Securities held to maturity | 65,000 | 65,000 | 65,000 | 65,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,043,000 | 33,336,000 | 32,805,000 | 34,075,000 |
| Interest-bearing deposits | 27,077,000 | 27,643,000 | 27,268,000 | 26,856,000 |
| Noninterest-bearing deposits | 6,966,000 | 5,693,000 | 5,537,000 | 7,219,000 |
| Equity capital | 2,772,000 | 3,042,000 | 3,049,000 | 3,220,000 |
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 | 272,000 | 556,000 | 832,000 | 1,127,000 |
| Interest expense | 29,000 | 55,000 | 84,000 | 113,000 |
| Net interest income | 243,000 | 501,000 | 748,000 | 1,014,000 |
| Noninterest income | 17,000 | 37,000 | 56,000 | 72,000 |
| Noninterest expense | 185,000 | 346,000 | 526,000 | 727,000 |
| Provision for loan losses | 6,000 | 12,000 | 12,000 | 12,000 |
| Pretax income | 69,000 | 186,000 | 285,000 | 362,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 69,000 | 186,000 | 285,000 | 362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,949,000 | 3,037,000 | 3,096,000 | 3,173,000 |
| Total capital | 3,179,000 | 3,273,000 | 3,332,000 | 3,409,000 |
| Risk-weighted assets | 22,439,000 | 21,250,000 | 19,532,000 | 22,634,000 |