Call reports 2013
BANK OF HYDRO — 2013
What BANK OF HYDRO 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 | 122,994,000 | 118,825,000 | 122,268,000 | 121,505,000 |
| Total loans | 110,198,000 | 111,741,000 | 114,869,000 | 113,759,000 |
| Allowance for loan losses | 1,110,000 | 1,053,000 | 1,078,000 | 1,128,000 |
| Securities available for sale | 63,000 | 60,000 | 57,000 | 54,000 |
| Securities held to maturity | 1,607,000 | 1,607,000 | 1,607,000 | 1,606,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,022,000 | 97,456,000 | 96,513,000 | 97,037,000 |
| Interest-bearing deposits | 75,638,000 | 73,995,000 | 72,728,000 | 74,011,000 |
| Noninterest-bearing deposits | 30,383,000 | 23,461,000 | 23,785,000 | 23,026,000 |
| Equity capital | 9,817,000 | 9,940,000 | 10,056,000 | 10,173,000 |
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 | 1,427,000 | 2,910,000 | 4,425,000 | 5,921,000 |
| Interest expense | 229,000 | 459,000 | 691,000 | 916,000 |
| Net interest income | 1,198,000 | 2,451,000 | 3,734,000 | 5,005,000 |
| Noninterest income | 117,000 | 239,000 | 351,000 | 530,000 |
| Noninterest expense | 518,000 | 1,069,000 | 1,665,000 | 2,287,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 75,000 |
| Pretax income | 797,000 | 1,621,000 | 2,395,000 | 3,173,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 797,000 | 1,621,000 | 2,395,000 | 3,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,816,000 | 9,939,000 | 10,055,000 | 10,172,000 |
| Total capital | 10,926,000 | 10,992,000 | 11,133,000 | 11,300,000 |
| Risk-weighted assets | 97,139,000 | 97,286,000 | 99,660,000 | 97,424,000 |
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