Call reports 2013
CALUMET BANK — 2013
What CALUMET 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 | 125,572,000 | 124,808,000 | 124,513,000 | 125,109,000 |
| Total loans | 82,943,000 | 87,904,000 | 90,192,000 | 92,352,000 |
| Allowance for loan losses | 1,197,000 | 1,258,000 | 1,271,000 | 1,262,000 |
| Securities available for sale | 18,836,000 | 18,049,000 | 18,034,000 | 17,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,973,000 | 107,406,000 | 105,193,000 | 107,328,000 |
| Interest-bearing deposits | 86,278,000 | 86,440,000 | 86,055,000 | 87,796,000 |
| Noninterest-bearing deposits | 21,695,000 | 20,966,000 | 19,138,000 | 19,532,000 |
| Equity capital | 14,336,000 | 14,165,000 | 14,486,000 | 14,678,000 |
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 | 1,224,000 | 2,508,000 | 3,802,000 | 5,151,000 |
| Interest expense | 122,000 | 244,000 | 370,000 | 506,000 |
| Net interest income | 1,102,000 | 2,264,000 | 3,432,000 | 4,645,000 |
| Noninterest income | 104,000 | 262,000 | 434,000 | 547,000 |
| Noninterest expense | 854,000 | 1,703,000 | 2,597,000 | 3,514,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 205,000 |
| Pretax income | 292,000 | 703,000 | 1,089,000 | 1,473,000 |
| Income tax | 89,000 | 223,000 | 347,000 | 470,000 |
| Net income | 203,000 | 480,000 | 742,000 | 1,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,338,000 | 14,615,000 | 14,882,000 | 15,152,000 |
| Total capital | 15,434,000 | 15,769,000 | 16,041,000 | 16,335,000 |
| Risk-weighted assets | 87,576,000 | 92,196,000 | 92,910,000 | 94,501,000 |