Call reports 2013
CULBERTSON BANK — 2013
What CULBERTSON BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 16,792,000 | 15,801,000 | 16,170,000 | 16,395,000 |
| Total loans | 4,680,000 | 5,595,000 | 5,355,000 | 4,562,000 |
| Allowance for loan losses | 162,000 | 143,000 | 140,000 | 160,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,365,000 | 8,390,000 | 8,489,000 | 8,489,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,512,000 | 13,492,000 | 13,864,000 | 14,130,000 |
| Interest-bearing deposits | 10,944,000 | 10,262,000 | 10,368,000 | 10,224,000 |
| Noninterest-bearing deposits | 3,568,000 | 3,230,000 | 3,496,000 | 3,906,000 |
| Equity capital | 2,249,000 | 2,251,000 | 2,264,000 | 2,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 133,000 | 275,000 | 424,000 | 564,000 |
| Interest expense | 12,000 | 22,000 | 31,000 | 40,000 |
| Net interest income | 121,000 | 253,000 | 393,000 | 524,000 |
| Noninterest income | 13,000 | 24,000 | 37,000 | 48,000 |
| Noninterest expense | 129,000 | 270,000 | 409,000 | 544,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 5,000 | 7,000 | 21,000 | 8,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 5,000 | 7,000 | 20,000 | 7,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,249,000 | 2,251,000 | 2,264,000 | 2,251,000 |
| Total capital | 2,341,000 | 2,349,000 | 2,361,000 | 2,340,000 |
| Risk-weighted assets | 7,256,000 | 7,832,000 | 7,711,000 | 7,087,000 |