Call reports 2013
FIRST STATE BANK OF BEECHER CITY — 2013
What FIRST STATE BANK OF BEECHER CITY 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 | 70,152,000 | 67,915,000 | 69,320,000 | 68,810,000 |
| Total loans | 48,496,000 | 50,345,000 | 49,912,000 | 49,398,000 |
| Allowance for loan losses | 948,000 | 940,000 | 924,000 | 944,000 |
| Securities available for sale | 8,470,000 | 7,930,000 | 8,502,000 | 9,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,427,000 | 58,973,000 | 60,139,000 | 59,311,000 |
| Interest-bearing deposits | 53,102,000 | 51,853,000 | 52,627,000 | 52,145,000 |
| Noninterest-bearing deposits | 8,325,000 | 7,120,000 | 7,512,000 | 7,166,000 |
| Equity capital | 8,623,000 | 8,833,000 | 9,104,000 | 9,330,000 |
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 | 793,000 | 1,589,000 | 2,385,000 | 3,157,000 |
| Interest expense | 107,000 | 205,000 | 298,000 | 388,000 |
| Net interest income | 686,000 | 1,384,000 | 2,087,000 | 2,769,000 |
| Noninterest income | 77,000 | 151,000 | 236,000 | 316,000 |
| Noninterest expense | 344,000 | 713,000 | 1,086,000 | 1,588,000 |
| Provision for loan losses | 0 | 85,000 | 115,000 | 165,000 |
| Pretax income | 419,000 | 737,000 | 1,122,000 | 1,332,000 |
| Income tax | 20,000 | 20,000 | 20,000 | 20,000 |
| Net income | 399,000 | 717,000 | 1,102,000 | 1,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,607,000 | 8,834,000 | 9,107,000 | 9,315,000 |
| Total capital | 9,186,000 | 9,432,000 | 9,704,000 | 9,907,000 |
| Risk-weighted assets | 45,971,000 | 47,505,000 | 47,456,000 | 47,035,000 |