Call reports 2013
CARMINE STATE BANK — 2013
What CARMINE 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 | 59,129,000 | 59,641,000 | 60,256,000 | 63,345,000 |
| Total loans | 16,285,000 | 16,244,000 | 16,139,000 | 16,636,000 |
| Allowance for loan losses | 179,000 | 180,000 | 171,000 | 171,000 |
| Securities available for sale | 13,861,000 | 13,151,000 | 12,747,000 | 12,758,000 |
| Securities held to maturity | 14,113,000 | 14,910,000 | 14,857,000 | 14,509,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,901,000 | 51,627,000 | 52,299,000 | 55,553,000 |
| Interest-bearing deposits | 41,634,000 | 42,426,000 | 42,148,000 | 45,663,000 |
| Noninterest-bearing deposits | 9,267,000 | 9,201,000 | 10,151,000 | 9,890,000 |
| Equity capital | 8,097,000 | 7,913,000 | 7,817,000 | 7,769,000 |
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 | 543,000 | 1,083,000 | 1,627,000 | 2,173,000 |
| Interest expense | 96,000 | 194,000 | 290,000 | 388,000 |
| Net interest income | 447,000 | 889,000 | 1,337,000 | 1,785,000 |
| Noninterest income | 48,000 | 84,000 | 126,000 | 186,000 |
| Noninterest expense | 299,000 | 630,000 | 944,000 | 1,345,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 200,000 | 347,000 | 520,000 | 627,000 |
| Income tax | -22,000 | -36,000 | -35,000 | -35,000 |
| Net income | 222,000 | 383,000 | 555,000 | 662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,811,000 | 7,892,000 | 8,065,000 | 7,798,000 |
| Total capital | 7,990,000 | 8,072,000 | 8,236,000 | 7,969,000 |
| Risk-weighted assets | 23,431,000 | 23,850,000 | 23,814,000 | 25,086,000 |