Call reports 2013
CYPRESS BANK, SSB — 2013
What CYPRESS BANK, SSB 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 | 176,273,000 | 174,424,000 | 176,401,000 | 175,197,000 |
| Total loans | 115,214,000 | 119,819,000 | 123,382,000 | 121,065,000 |
| Allowance for loan losses | 1,196,000 | 1,400,000 | 1,538,000 | 1,532,000 |
| Securities available for sale | 7,596,000 | 7,151,000 | 6,637,000 | 7,202,000 |
| Securities held to maturity | 36,929,000 | 35,675,000 | 34,570,000 | 35,028,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,961,000 | 129,860,000 | 131,966,000 | 130,961,000 |
| Interest-bearing deposits | 118,300,000 | 116,911,000 | 118,370,000 | 118,419,000 |
| Noninterest-bearing deposits | 13,661,000 | 12,949,000 | 13,596,000 | 12,542,000 |
| Equity capital | 14,907,000 | 15,075,000 | 15,222,000 | 15,446,000 |
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 | 2,080,000 | 4,156,000 | 6,337,000 | 8,392,000 |
| Interest expense | 537,000 | 1,057,000 | 1,569,000 | 2,069,000 |
| Net interest income | 1,543,000 | 3,099,000 | 4,768,000 | 6,323,000 |
| Noninterest income | 207,000 | 385,000 | 619,000 | 838,000 |
| Noninterest expense | 1,273,000 | 2,551,000 | 3,851,000 | 5,164,000 |
| Provision for loan losses | 20,000 | 227,000 | 387,000 | 507,000 |
| Pretax income | 457,000 | 706,000 | 1,149,000 | 1,490,000 |
| Income tax | 142,000 | 213,000 | 351,000 | 454,000 |
| Net income | 315,000 | 493,000 | 798,000 | 1,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,681,000 | 14,810,000 | 15,015,000 | 15,256,000 |
| Total capital | 15,877,000 | 16,052,000 | 16,293,000 | 16,535,000 |
| Risk-weighted assets | 97,908,000 | 99,192,000 | 101,958,000 | 102,047,000 |