Call reports 2013
SALYERSVILLE NATIONAL BANK, THE — 2013
What SALYERSVILLE NATIONAL BANK, THE 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 | 116,777,000 | 111,521,000 | 112,221,000 | 117,877,000 |
| Total loans | 49,822,000 | 49,528,000 | 49,116,000 | 44,737,000 |
| Allowance for loan losses | 413,000 | 422,000 | 490,000 | 485,000 |
| Securities available for sale | 49,597,000 | 47,569,000 | 49,258,000 | 54,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,478,000 | 96,469,000 | 97,631,000 | 103,390,000 |
| Interest-bearing deposits | 84,179,000 | 78,940,000 | 78,820,000 | 87,753,000 |
| Noninterest-bearing deposits | 16,299,000 | 17,529,000 | 18,811,000 | 15,637,000 |
| Equity capital | 14,261,000 | 12,965,000 | 12,911,000 | 12,676,000 |
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 | 1,048,000 | 2,116,000 | 3,215,000 | 4,366,000 |
| Interest expense | 88,000 | 179,000 | 271,000 | 359,000 |
| Net interest income | 960,000 | 1,937,000 | 2,944,000 | 4,007,000 |
| Noninterest income | 89,000 | 189,000 | 295,000 | 387,000 |
| Noninterest expense | 696,000 | 1,397,000 | 2,113,000 | 2,870,000 |
| Provision for loan losses | 33,000 | 33,000 | 33,000 | 33,000 |
| Pretax income | 355,000 | 747,000 | 1,142,000 | 1,540,000 |
| Income tax | 85,000 | 170,000 | 245,000 | 350,000 |
| Net income | 249,000 | 532,000 | 827,000 | 1,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,543,000 | 14,825,000 | 15,120,000 | 15,080,000 |
| Total capital | 14,956,000 | 15,247,000 | 15,610,000 | 15,565,000 |
| Risk-weighted assets | 53,805,000 | 55,413,000 | 55,769,000 | 53,858,000 |