Call reports 2013
BANKGLOUCESTER — 2013
What BANKGLOUCESTER 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 | 193,975,000 | 192,958,000 | 190,952,000 | 192,186,000 |
| Total loans | 161,271,000 | 158,879,000 | 158,720,000 | 160,134,000 |
| Allowance for loan losses | 1,786,000 | 1,818,000 | 1,847,000 | 1,880,000 |
| Securities available for sale | 18,656,000 | 18,498,000 | 20,953,000 | 19,987,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,378,000 | 159,381,000 | 159,311,000 | 156,290,000 |
| Interest-bearing deposits | 149,092,000 | 147,107,000 | 146,414,000 | 141,634,000 |
| Noninterest-bearing deposits | 11,286,000 | 12,274,000 | 12,896,000 | 14,655,000 |
| Equity capital | 16,194,000 | 16,148,000 | 16,391,000 | 16,600,000 |
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 | 2,055,000 | 4,071,000 | 6,083,000 | 8,096,000 |
| Interest expense | 396,000 | 783,000 | 1,151,000 | 1,510,000 |
| Net interest income | 1,659,000 | 3,288,000 | 4,932,000 | 6,586,000 |
| Noninterest income | 227,000 | 427,000 | 645,000 | 869,000 |
| Noninterest expense | 1,313,000 | 2,731,000 | 4,113,000 | 5,551,000 |
| Provision for loan losses | 67,000 | 96,000 | 128,000 | 157,000 |
| Pretax income | 506,000 | 888,000 | 1,336,000 | 1,747,000 |
| Income tax | 195,000 | 357,000 | 529,000 | 683,000 |
| Net income | 311,000 | 531,000 | 807,000 | 1,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,634,000 | 15,861,000 | 16,143,000 | 16,405,000 |
| Total capital | 17,374,000 | 17,595,000 | 17,885,000 | 18,149,000 |
| Risk-weighted assets | 139,122,000 | 138,539,000 | 138,495,000 | 139,309,000 |
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