Call reports 2013
FIRST BANK OF BELOIT — 2013
What FIRST BANK OF BELOIT 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 | 72,929,000 | 72,331,000 | 73,624,000 | 80,250,000 |
| Total loans | 39,224,000 | 40,506,000 | 40,371,000 | 41,636,000 |
| Allowance for loan losses | 542,000 | 531,000 | 571,000 | 606,000 |
| Securities available for sale | 22,571,000 | 21,094,000 | 20,989,000 | 18,330,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,238,000 | 62,888,000 | 64,023,000 | 70,489,000 |
| Interest-bearing deposits | 46,351,000 | 46,817,000 | 45,222,000 | 51,131,000 |
| Noninterest-bearing deposits | 16,887,000 | 16,071,000 | 18,801,000 | 19,358,000 |
| Equity capital | 8,393,000 | 8,324,000 | 8,425,000 | 8,415,000 |
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 | 606,000 | 1,225,000 | 1,844,000 | 2,451,000 |
| Interest expense | 77,000 | 147,000 | 213,000 | 276,000 |
| Net interest income | 529,000 | 1,078,000 | 1,631,000 | 2,175,000 |
| Noninterest income | 75,000 | 147,000 | 217,000 | 281,000 |
| Noninterest expense | 496,000 | 1,015,000 | 1,523,000 | 2,084,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 76,000 |
| Pretax income | 108,000 | 214,000 | 289,000 | 321,000 |
| Income tax | 18,000 | 36,000 | 57,000 | 38,000 |
| Net income | 90,000 | 178,000 | 232,000 | 283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,227,000 | 8,315,000 | 8,369,000 | 8,420,000 |
| Total capital | 8,769,000 | 8,846,000 | 8,940,000 | 9,026,000 |
| Risk-weighted assets | 47,284,000 | 48,394,000 | 48,366,000 | 50,721,000 |