Call reports 2013
CRESSON COMMUNITY BANK — 2013
What CRESSON 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 | 60,268,000 | 59,438,000 | 61,818,000 | 59,811,000 |
| Total loans | 23,703,000 | 22,679,000 | 22,248,000 | 21,970,000 |
| Allowance for loan losses | 138,000 | 138,000 | 138,000 | 144,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,535,000 | 23,824,000 | 25,139,000 | 25,738,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,709,000 | 50,801,000 | 53,072,000 | 51,008,000 |
| Interest-bearing deposits | 51,186,000 | 50,429,000 | 52,749,000 | 50,923,000 |
| Noninterest-bearing deposits | 523,000 | 372,000 | 323,000 | 85,000 |
| Equity capital | 6,755,000 | 6,823,000 | 6,883,000 | 6,962,000 |
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 | 459,000 | 905,000 | 1,357,000 | 1,837,000 |
| Interest expense | 143,000 | 280,000 | 425,000 | 563,000 |
| Net interest income | 316,000 | 625,000 | 932,000 | 1,274,000 |
| Noninterest income | 16,000 | 39,000 | 66,000 | 93,000 |
| Noninterest expense | 243,000 | 489,000 | 748,000 | 1,024,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 10,000 |
| Pretax income | 84,000 | 170,000 | 245,000 | 333,000 |
| Income tax | 17,000 | 35,000 | 50,000 | 59,000 |
| Net income | 67,000 | 135,000 | 195,000 | 274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,755,000 | 6,823,000 | 6,883,000 | 6,962,000 |
| Total capital | 6,893,000 | 6,961,000 | 7,021,000 | 7,106,000 |
| Risk-weighted assets | 23,738,000 | 23,374,000 | 23,580,000 | 23,099,000 |