Call reports 2013
BANK NORTH — 2013
What BANK NORTH 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 | 124,346,000 | 125,001,000 | 124,912,000 | 125,862,000 |
| Total loans | 81,151,000 | 82,238,000 | 83,392,000 | 83,897,000 |
| Allowance for loan losses | 1,490,000 | 1,548,000 | 1,553,000 | 1,464,000 |
| Securities available for sale | 36,162,000 | 37,077,000 | 34,776,000 | 37,009,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,979,000 | 100,780,000 | 101,644,000 | 102,840,000 |
| Interest-bearing deposits | 88,878,000 | 83,548,000 | 83,950,000 | 86,101,000 |
| Noninterest-bearing deposits | 16,101,000 | 17,232,000 | 17,694,000 | 16,739,000 |
| Equity capital | 13,988,000 | 13,704,000 | 13,519,000 | 13,605,000 |
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 | 1,325,000 | 2,642,000 | 3,973,000 | 5,300,000 |
| Interest expense | 179,000 | 347,000 | 497,000 | 645,000 |
| Net interest income | 1,146,000 | 2,295,000 | 3,476,000 | 4,655,000 |
| Noninterest income | 96,000 | 242,000 | 353,000 | 488,000 |
| Noninterest expense | 931,000 | 1,921,000 | 2,885,000 | 3,731,000 |
| Provision for loan losses | 55,000 | 115,000 | 145,000 | 185,000 |
| Pretax income | 256,000 | 527,000 | 825,000 | 1,253,000 |
| Income tax | 68,000 | 142,000 | 224,000 | 354,000 |
| Net income | 188,000 | 385,000 | 601,000 | 899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,434,000 | 13,521,000 | 13,610,000 | 13,767,000 |
| Total capital | 14,347,000 | 14,456,000 | 14,543,000 | 14,719,000 |
| Risk-weighted assets | 72,464,000 | 74,011,000 | 74,004,000 | 75,670,000 |