Call reports 2013
PENDER STATE BANK — 2013
What PENDER 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 | 148,147,000 | 147,466,000 | 150,975,000 | 157,828,000 |
| Total loans | 119,215,000 | 124,288,000 | 125,353,000 | 128,004,000 |
| Allowance for loan losses | 1,321,000 | 1,118,000 | 1,118,000 | 1,285,000 |
| Securities available for sale | 4,285,000 | 3,765,000 | 3,402,000 | 3,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,148,000 | 123,818,000 | 128,073,000 | 134,265,000 |
| Interest-bearing deposits | 110,486,000 | 110,270,000 | 114,807,000 | 115,723,000 |
| Noninterest-bearing deposits | 15,662,000 | 13,548,000 | 13,266,000 | 18,542,000 |
| Equity capital | 18,863,000 | 19,427,000 | 19,822,000 | 20,297,000 |
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 | 1,586,000 | 3,131,000 | 4,731,000 | 6,397,000 |
| Interest expense | 302,000 | 595,000 | 886,000 | 1,183,000 |
| Net interest income | 1,284,000 | 2,536,000 | 3,845,000 | 5,214,000 |
| Noninterest income | 40,000 | 85,000 | 125,000 | 171,000 |
| Noninterest expense | 559,000 | 1,157,000 | 1,743,000 | 2,363,000 |
| Provision for loan losses | 0 | -200,000 | -200,000 | -200,000 |
| Pretax income | 765,000 | 1,664,000 | 2,427,000 | 3,222,000 |
| Income tax | 16,000 | 31,000 | 49,000 | 64,000 |
| Net income | 749,000 | 1,633,000 | 2,378,000 | 3,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,496,000 | 13,085,000 | 13,483,000 | 13,972,000 |
| Total capital | 13,817,000 | 14,203,000 | 14,601,000 | 15,257,000 |
| Risk-weighted assets | 128,298,000 | 132,277,000 | 131,976,000 | 135,660,000 |
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