Call reports 2013
STURDY SAVINGS BANK — 2013
What STURDY SAVINGS 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 | 551,343,000 | 551,837,000 | 572,306,000 | 563,144,000 |
| Total loans | 331,543,000 | 345,833,000 | 357,455,000 | 361,701,000 |
| Allowance for loan losses | 2,281,000 | 2,265,000 | 2,350,000 | 2,464,000 |
| Securities available for sale | 134,132,000 | 117,192,000 | 115,683,000 | 115,417,000 |
| Securities held to maturity | 22,177,000 | 25,157,000 | 22,134,000 | 22,114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 447,674,000 | 460,198,000 | 483,588,000 | 456,369,000 |
| Interest-bearing deposits | 396,101,000 | 394,816,000 | 419,379,000 | 406,005,000 |
| Noninterest-bearing deposits | 51,573,000 | 65,382,000 | 64,209,000 | 50,364,000 |
| Equity capital | 68,292,000 | 67,711,000 | 67,103,000 | 66,810,000 |
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 | 4,594,000 | 9,206,000 | 13,792,000 | 18,528,000 |
| Interest expense | 409,000 | 804,000 | 1,179,000 | 1,538,000 |
| Net interest income | 4,185,000 | 8,402,000 | 12,613,000 | 16,990,000 |
| Noninterest income | 480,000 | 1,229,000 | 1,896,000 | 2,468,000 |
| Noninterest expense | 4,205,000 | 8,527,000 | 12,958,000 | 17,462,000 |
| Provision for loan losses | -115,000 | -180,000 | -32,000 | 378,000 |
| Pretax income | 575,000 | 1,284,000 | 1,583,000 | 1,775,000 |
| Income tax | 93,000 | 249,000 | 237,000 | 236,000 |
| Net income | 482,000 | 1,035,000 | 1,346,000 | 1,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,193,000 | 62,687,000 | 62,923,000 | 63,028,000 |
| Total capital | 64,474,000 | 64,952,000 | 65,273,000 | 65,492,000 |
| Risk-weighted assets | 351,693,000 | 357,472,000 | 367,012,000 | 369,506,000 |