Call reports 2013
SMACKOVER STATE BANK — 2013
What SMACKOVER 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 | 194,070,000 | 188,371,000 | 187,986,000 | 188,013,000 |
| Total loans | 69,549,000 | 69,881,000 | 71,582,000 | 71,816,000 |
| Allowance for loan losses | 687,000 | 723,000 | 762,000 | 801,000 |
| Securities available for sale | 59,658,000 | 63,700,000 | 62,186,000 | 60,850,000 |
| Securities held to maturity | 36,737,000 | 39,180,000 | 40,487,000 | 42,619,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,866,000 | 167,903,000 | 167,519,000 | 167,590,000 |
| Interest-bearing deposits | 141,943,000 | 135,581,000 | 134,613,000 | 135,002,000 |
| Noninterest-bearing deposits | 30,923,000 | 32,322,000 | 32,906,000 | 32,588,000 |
| Equity capital | 20,460,000 | 20,138,000 | 20,118,000 | 20,283,000 |
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 | 1,604,000 | 3,185,000 | 4,764,000 | 6,480,000 |
| Interest expense | 284,000 | 558,000 | 823,000 | 1,087,000 |
| Net interest income | 1,320,000 | 2,627,000 | 3,941,000 | 5,393,000 |
| Noninterest income | 127,000 | 266,000 | 405,000 | 556,000 |
| Noninterest expense | 819,000 | 1,610,000 | 2,456,000 | 3,299,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 583,000 | 1,193,000 | 1,755,000 | 2,470,000 |
| Income tax | 130,000 | 254,000 | 372,000 | 510,000 |
| Net income | 453,000 | 939,000 | 1,383,000 | 1,960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,663,000 | 19,999,000 | 20,293,000 | 20,570,000 |
| Total capital | 20,350,000 | 20,722,000 | 21,055,000 | 21,371,000 |
| Risk-weighted assets | 88,563,000 | 88,900,000 | 92,538,000 | 92,949,000 |
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