Call reports 2013
GLASFORD STATE BANK — 2013
What GLASFORD STATE 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 | 34,777,000 | 34,446,000 | 36,584,000 | 34,279,000 |
| Total loans | 16,101,000 | 15,854,000 | 16,456,000 | 16,554,000 |
| Allowance for loan losses | 214,000 | 215,000 | 216,000 | 201,000 |
| Securities available for sale | 11,396,000 | 11,635,000 | 12,099,000 | 12,381,000 |
| Securities held to maturity | 0 | 452,000 | 452,000 | 451,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,943,000 | 31,633,000 | 33,696,000 | 31,453,000 |
| Interest-bearing deposits | 28,870,000 | 28,185,000 | 30,141,000 | 28,572,000 |
| Noninterest-bearing deposits | 3,073,000 | 3,448,000 | 3,555,000 | 2,881,000 |
| Equity capital | 2,818,000 | 2,791,000 | 2,859,000 | 2,790,000 |
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 | 235,000 | 459,000 | 690,000 | 924,000 |
| Interest expense | 25,000 | 47,000 | 67,000 | 85,000 |
| Net interest income | 210,000 | 412,000 | 623,000 | 839,000 |
| Noninterest income | 43,000 | 91,000 | 137,000 | 197,000 |
| Noninterest expense | 213,000 | 429,000 | 632,000 | 869,000 |
| Provision for loan losses | 9,000 | 9,000 | 9,000 | 0 |
| Pretax income | 31,000 | 65,000 | 119,000 | 167,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 31,000 | 64,000 | 118,000 | 166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,761,000 | 2,794,000 | 2,847,000 | 2,796,000 |
| Total capital | 2,913,000 | 2,942,000 | 3,001,000 | 2,952,000 |
| Risk-weighted assets | 12,120,000 | 11,801,000 | 12,220,000 | 12,435,000 |