Call reports 2013
ST. ANSGAR STATE BANK — 2013
What ST. ANSGAR STATE 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 | 101,074,000 | 100,382,000 | 103,318,000 | 106,654,000 |
| Total loans | 71,853,000 | 70,894,000 | 68,695,000 | 72,359,000 |
| Allowance for loan losses | 824,000 | 856,000 | 783,000 | 790,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,029,000 | 13,965,000 | 17,715,000 | 20,214,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,611,000 | 86,452,000 | 89,324,000 | 92,813,000 |
| Interest-bearing deposits | 72,411,000 | 72,363,000 | 71,405,000 | 71,441,000 |
| Noninterest-bearing deposits | 15,200,000 | 14,089,000 | 17,919,000 | 21,372,000 |
| Equity capital | 12,570,000 | 12,711,000 | 12,714,000 | 12,862,000 |
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 | 931,000 | 1,873,000 | 2,830,000 | 3,795,000 |
| Interest expense | 95,000 | 189,000 | 280,000 | 367,000 |
| Net interest income | 836,000 | 1,684,000 | 2,550,000 | 3,428,000 |
| Noninterest income | 27,000 | 104,000 | 110,000 | 256,000 |
| Noninterest expense | 527,000 | 1,068,000 | 1,612,000 | 2,139,000 |
| Provision for loan losses | 60,000 | 80,000 | 80,000 | 105,000 |
| Pretax income | 276,000 | 640,000 | 968,000 | 1,440,000 |
| Income tax | 23,000 | 47,000 | 71,000 | 95,000 |
| Net income | 253,000 | 593,000 | 897,000 | 1,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,570,000 | 12,711,000 | 12,714,000 | 12,862,000 |
| Total capital | 13,394,000 | 13,567,000 | 13,497,000 | 13,652,000 |
| Risk-weighted assets | 71,877,000 | 71,907,000 | 70,863,000 | 75,463,000 |