Call reports 2013
STATE BANK OF TOWNSEND, THE — 2013
What STATE BANK OF TOWNSEND, 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 | 51,005,000 | 51,889,000 | 52,373,000 | 55,348,000 |
| Total loans | 28,869,000 | 30,768,000 | 30,937,000 | 28,077,000 |
| Allowance for loan losses | 379,000 | 378,000 | 357,000 | 357,000 |
| Securities available for sale | 4,785,000 | 5,394,000 | 5,678,000 | 6,558,000 |
| Securities held to maturity | 7,000 | 6,000 | 6,000 | 6,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,405,000 | 46,297,000 | 46,680,000 | 49,438,000 |
| Interest-bearing deposits | 34,830,000 | 36,324,000 | 35,056,000 | 35,883,000 |
| Noninterest-bearing deposits | 10,575,000 | 9,973,000 | 11,624,000 | 13,555,000 |
| Equity capital | 5,149,000 | 5,183,000 | 5,285,000 | 5,365,000 |
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 | 591,000 | 1,434,000 | 2,049,000 | 2,650,000 |
| Interest expense | 61,000 | 124,000 | 188,000 | 253,000 |
| Net interest income | 530,000 | 1,310,000 | 1,861,000 | 2,397,000 |
| Noninterest income | 58,000 | 123,000 | 227,000 | 290,000 |
| Noninterest expense | 473,000 | 941,000 | 1,406,000 | 1,966,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 115,000 | 492,000 | 682,000 | 722,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 115,000 | 492,000 | 682,000 | 722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,070,000 | 5,176,000 | 5,267,000 | 5,352,000 |
| Total capital | 5,414,000 | 5,523,000 | 5,623,000 | 5,684,000 |
| Risk-weighted assets | 28,151,000 | 29,305,000 | 30,000,000 | 28,040,000 |