Call reports 2013
CHEVIOT SAVINGS BANK — 2013
What CHEVIOT 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 | 617,647,000 | 595,576,000 | 589,205,000 | 584,426,000 |
| Total loans | 333,868,000 | 334,330,000 | 337,428,000 | 337,328,000 |
| Allowance for loan losses | 1,608,000 | 1,529,000 | 1,570,000 | 1,698,000 |
| Securities available for sale | 170,805,000 | 167,272,000 | 171,852,000 | 160,726,000 |
| Securities held to maturity | 3,479,000 | 3,363,000 | 3,221,000 | 3,116,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 501,462,000 | 485,119,000 | 479,621,000 | 479,447,000 |
| Interest-bearing deposits | 479,000,000 | 463,126,000 | 458,258,000 | 452,838,000 |
| Noninterest-bearing deposits | 22,462,000 | 21,993,000 | 21,363,000 | 26,609,000 |
| Equity capital | 88,580,000 | 83,661,000 | 83,740,000 | 80,523,000 |
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 | 5,082,000 | 9,904,000 | 14,592,000 | 19,284,000 |
| Interest expense | 1,162,000 | 2,268,000 | 3,334,000 | 4,338,000 |
| Net interest income | 3,920,000 | 7,636,000 | 11,258,000 | 14,946,000 |
| Noninterest income | 806,000 | 1,156,000 | 1,447,000 | 1,994,000 |
| Noninterest expense | 3,507,000 | 6,972,000 | 10,313,000 | 13,450,000 |
| Provision for loan losses | 55,000 | 340,000 | 925,000 | 1,443,000 |
| Pretax income | 1,164,000 | 1,480,000 | 1,467,000 | 2,083,000 |
| Income tax | 348,000 | 400,000 | 351,000 | 499,000 |
| Net income | 816,000 | 1,080,000 | 1,116,000 | 1,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,443,000 | 77,802,000 | 77,893,000 | 77,208,000 |
| Total capital | 79,051,000 | 79,331,000 | 79,463,000 | 78,906,000 |
| Risk-weighted assets | 312,488,000 | 309,087,000 | 311,602,000 | 312,387,000 |