Call reports 2013
FRIEND BANK — 2013
What FRIEND 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 | 72,781,000 | 74,718,000 | 69,433,000 | 70,778,000 |
| Total loans | 44,253,000 | 44,779,000 | 45,427,000 | 44,986,000 |
| Allowance for loan losses | 712,000 | 709,000 | 870,000 | 736,000 |
| Securities available for sale | 12,331,000 | 14,754,000 | 13,490,000 | 12,800,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,378,000 | 66,317,000 | 61,817,000 | 63,223,000 |
| Interest-bearing deposits | 54,168,000 | 56,060,000 | 52,220,000 | 53,581,000 |
| Noninterest-bearing deposits | 10,210,000 | 10,257,000 | 9,597,000 | 9,642,000 |
| Equity capital | 7,758,000 | 7,762,000 | 7,479,000 | 7,414,000 |
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 | 750,000 | 1,500,000 | 2,231,000 | 2,979,000 |
| Interest expense | 79,000 | 155,000 | 229,000 | 294,000 |
| Net interest income | 671,000 | 1,345,000 | 2,002,000 | 2,685,000 |
| Noninterest income | 151,000 | 317,000 | 417,000 | 583,000 |
| Noninterest expense | 588,000 | 1,157,000 | 1,763,000 | 2,381,000 |
| Provision for loan losses | 100,000 | 100,000 | 300,000 | 431,000 |
| Pretax income | 134,000 | 405,000 | 356,000 | 456,000 |
| Income tax | 3,000 | 13,000 | 13,000 | 18,000 |
| Net income | 131,000 | 392,000 | 343,000 | 438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,497,000 | 7,655,000 | 7,504,000 | 7,474,000 |
| Total capital | 8,007,000 | 8,183,000 | 8,032,000 | 8,000,000 |
| Risk-weighted assets | 40,624,000 | 42,070,000 | 41,906,000 | 41,854,000 |