Call reports 2013
SCALE BANK — 2013
What SCALE 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 | 407,635,000 | 406,703,000 | 426,674,000 | 403,623,000 |
| Total loans | 294,659,000 | 329,231,000 | 241,088,000 | 246,816,000 |
| Allowance for loan losses | 3,703,000 | 3,707,000 | 3,706,000 | 3,709,000 |
| Securities available for sale | 44,057,000 | 41,301,000 | 47,831,000 | 62,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,850,000 | 300,840,000 | 347,863,000 | 327,519,000 |
| Interest-bearing deposits | 223,397,000 | 192,783,000 | 231,126,000 | 213,386,000 |
| Noninterest-bearing deposits | 102,453,000 | 108,057,000 | 116,737,000 | 114,133,000 |
| Equity capital | 75,132,000 | 75,496,000 | 76,699,000 | 74,243,000 |
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 | 3,803,000 | 7,379,000 | 10,795,000 | 13,740,000 |
| Interest expense | 170,000 | 307,000 | 457,000 | 608,000 |
| Net interest income | 3,633,000 | 7,072,000 | 10,338,000 | 13,132,000 |
| Noninterest income | 464,000 | 827,000 | 1,267,000 | 1,639,000 |
| Noninterest expense | 1,955,000 | 3,802,000 | 5,824,000 | 7,142,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,188,000 | 4,143,000 | 5,827,000 | 7,675,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,188,000 | 4,143,000 | 5,827,000 | 7,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,406,000 | 48,311,000 | 49,564,000 | 47,459,000 |
| Total capital | 50,520,000 | 51,735,000 | 52,314,000 | 50,234,000 |
| Risk-weighted assets | 248,525,000 | 273,597,000 | 219,065,000 | 221,067,000 |