Call reports 2013
ATLAS BANK — 2013
What ATLAS 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 | 105,107,000 | 108,962,000 | 110,480,000 | 112,782,000 |
| Total loans | 57,182,000 | 56,013,000 | 69,500,000 | 69,268,000 |
| Allowance for loan losses | 713,000 | 716,000 | 729,000 | 729,000 |
| Securities available for sale | 37,476,000 | 31,519,000 | 28,432,000 | 28,604,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,565,000 | 81,311,000 | 80,152,000 | 78,767,000 |
| Interest-bearing deposits | 83,130,000 | 76,451,000 | 76,232,000 | 75,746,000 |
| Noninterest-bearing deposits | 5,435,000 | 4,860,000 | 3,920,000 | 3,021,000 |
| Equity capital | 16,064,000 | 15,341,000 | 15,116,000 | 14,747,000 |
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 | 964,000 | 1,929,000 | 2,989,000 | 4,002,000 |
| Interest expense | 257,000 | 472,000 | 704,000 | 941,000 |
| Net interest income | 707,000 | 1,457,000 | 2,285,000 | 3,061,000 |
| Noninterest income | 29,000 | 47,000 | 69,000 | 91,000 |
| Noninterest expense | 966,000 | 2,132,000 | 3,334,000 | 4,260,000 |
| Provision for loan losses | 18,000 | 18,000 | 31,000 | 31,000 |
| Pretax income | -245,000 | -640,000 | -1,005,000 | -1,133,000 |
| Income tax | -96,000 | -249,000 | -385,000 | -435,000 |
| Net income | -149,000 | -391,000 | -620,000 | -698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,643,000 | 15,071,000 | 14,845,000 | 14,727,000 |
| Total capital | 16,345,000 | 15,765,000 | 15,574,000 | 15,456,000 |
| Risk-weighted assets | 56,158,000 | 55,505,000 | 58,785,000 | 58,767,000 |