Call reports 2013
OUR COMMUNITY BANK — 2013
What OUR COMMUNITY 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 | 74,997,000 | 72,497,000 | 71,904,000 | 69,567,000 |
| Total loans | 53,032,000 | 52,782,000 | 52,675,000 | 51,668,000 |
| Allowance for loan losses | 668,000 | 662,000 | 684,000 | 709,000 |
| Securities available for sale | 7,428,000 | 7,889,000 | 7,140,000 | 6,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,218,000 | 51,816,000 | 51,226,000 | 49,937,000 |
| Interest-bearing deposits | 48,638,000 | 45,060,000 | 45,152,000 | 43,831,000 |
| Noninterest-bearing deposits | 5,580,000 | 6,756,000 | 6,074,000 | 6,106,000 |
| Equity capital | 8,004,000 | 7,882,000 | 7,918,000 | 7,963,000 |
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 | 985,000 | 1,926,000 | 2,856,000 | 3,799,000 |
| Interest expense | 166,000 | 328,000 | 489,000 | 650,000 |
| Net interest income | 819,000 | 1,598,000 | 2,367,000 | 3,149,000 |
| Noninterest income | 80,000 | 178,000 | 286,000 | 392,000 |
| Noninterest expense | 641,000 | 1,313,000 | 2,046,000 | 2,718,000 |
| Provision for loan losses | 45,000 | 70,000 | 130,000 | 190,000 |
| Pretax income | 230,000 | 410,000 | 491,000 | 647,000 |
| Income tax | 57,000 | 95,000 | 89,000 | 112,000 |
| Net income | 173,000 | 315,000 | 402,000 | 535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,791,000 | 7,852,000 | 7,910,000 | 8,006,000 |
| Total capital | 8,304,000 | 8,363,000 | 8,413,000 | 8,489,000 |
| Risk-weighted assets | 40,091,000 | 39,962,000 | 39,270,000 | 38,374,000 |