Call reports 2013
BANK OF CARBONDALE, THE — 2013
What BANK OF CARBONDALE, THE 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 | 213,227,000 | 211,271,000 | 220,525,000 | 211,028,000 |
| Total loans | 131,114,000 | 138,640,000 | 132,175,000 | 135,126,000 |
| Allowance for loan losses | 3,501,000 | 3,434,000 | 3,224,000 | 3,143,000 |
| Securities available for sale | 62,159,000 | 59,845,000 | 58,981,000 | 59,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,528,000 | 182,371,000 | 195,659,000 | 185,579,000 |
| Interest-bearing deposits | 163,689,000 | 162,948,000 | 175,768,000 | 166,001,000 |
| Noninterest-bearing deposits | 22,839,000 | 19,423,000 | 19,891,000 | 19,578,000 |
| Equity capital | 23,730,000 | 23,378,000 | 23,886,000 | 24,188,000 |
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 | 1,925,000 | 3,898,000 | 5,882,000 | 7,919,000 |
| Interest expense | 249,000 | 490,000 | 727,000 | 973,000 |
| Net interest income | 1,676,000 | 3,408,000 | 5,155,000 | 6,946,000 |
| Noninterest income | 153,000 | 508,000 | 823,000 | 1,102,000 |
| Noninterest expense | 1,057,000 | 2,236,000 | 3,349,000 | 4,667,000 |
| Provision for loan losses | 0 | 45,000 | 135,000 | 195,000 |
| Pretax income | 791,000 | 1,655,000 | 2,514,000 | 3,206,000 |
| Income tax | 251,000 | 533,000 | 805,000 | 1,000,000 |
| Net income | 540,000 | 1,122,000 | 1,709,000 | 2,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,550,000 | 23,772,000 | 24,358,000 | 24,657,000 |
| Total capital | 25,291,000 | 25,570,000 | 26,118,000 | 26,466,000 |
| Risk-weighted assets | 145,261,000 | 144,525,000 | 139,343,000 | 143,414,000 |
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