Call reports 2013
CONGAREE STATE BANK — 2013
What CONGAREE 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 | 113,293,000 | 111,139,000 | 112,825,000 | 112,515,000 |
| Total loans | 81,205,000 | 81,367,000 | 79,362,000 | 77,914,000 |
| Allowance for loan losses | 1,332,000 | 1,356,000 | 1,411,000 | 1,312,000 |
| Securities available for sale | 23,897,000 | 20,237,000 | 24,926,000 | 23,645,000 |
| Securities held to maturity | 3,499,000 | 3,491,000 | 3,484,000 | 3,476,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,584,000 | 95,866,000 | 93,300,000 | 91,132,000 |
| Interest-bearing deposits | 82,606,000 | 81,327,000 | 79,934,000 | 78,205,000 |
| Noninterest-bearing deposits | 13,978,000 | 14,539,000 | 13,366,000 | 12,928,000 |
| Equity capital | 12,524,000 | 12,095,000 | 11,957,000 | 12,398,000 |
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 | 1,233,000 | 2,467,000 | 3,668,000 | 4,853,000 |
| Interest expense | 132,000 | 246,000 | 354,000 | 467,000 |
| Net interest income | 1,101,000 | 2,221,000 | 3,314,000 | 4,386,000 |
| Noninterest income | 88,000 | 32,000 | 111,000 | 139,000 |
| Noninterest expense | 964,000 | 1,919,000 | 2,819,000 | 3,760,000 |
| Provision for loan losses | 50,000 | 185,000 | 320,000 | 405,000 |
| Pretax income | 175,000 | 334,000 | 471,000 | 582,000 |
| Income tax | 7,000 | 12,000 | 18,000 | -442,000 |
| Net income | 168,000 | 322,000 | 453,000 | 1,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,815,000 | 11,937,000 | 12,038,000 | 12,103,000 |
| Total capital | 12,803,000 | 12,920,000 | 13,062,000 | 13,102,000 |
| Risk-weighted assets | 78,644,000 | 78,260,000 | 80,801,000 | 79,533,000 |
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