Call reports 2013
SANGER BANK — 2013
What SANGER 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 | 111,657,000 | 111,975,000 | 111,536,000 | 112,455,000 |
| Total loans | 63,551,000 | 63,270,000 | 65,428,000 | 65,652,000 |
| Allowance for loan losses | 663,000 | 662,000 | 662,000 | 642,000 |
| Securities available for sale | 7,218,000 | 7,694,000 | 7,389,000 | 7,126,000 |
| Securities held to maturity | 21,263,000 | 21,393,000 | 22,081,000 | 22,126,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,673,000 | 97,855,000 | 96,800,000 | 97,901,000 |
| Interest-bearing deposits | 75,966,000 | 75,764,000 | 73,379,000 | 77,116,000 |
| Noninterest-bearing deposits | 21,707,000 | 22,091,000 | 23,421,000 | 20,785,000 |
| Equity capital | 13,649,000 | 13,860,000 | 14,369,000 | 14,448,000 |
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 | 1,243,000 | 2,461,000 | 3,722,000 | 4,986,000 |
| Interest expense | 155,000 | 304,000 | 440,000 | 562,000 |
| Net interest income | 1,088,000 | 2,157,000 | 3,282,000 | 4,424,000 |
| Noninterest income | 159,000 | 339,000 | 602,000 | 749,000 |
| Noninterest expense | 751,000 | 1,503,000 | 2,277,000 | 3,075,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 496,000 | 993,000 | 1,607,000 | 2,098,000 |
| Income tax | 134,000 | 268,000 | 437,000 | 456,000 |
| Net income | 362,000 | 725,000 | 1,170,000 | 1,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,513,000 | 13,877,000 | 14,322,000 | 14,441,000 |
| Total capital | 14,176,000 | 14,539,000 | 14,984,000 | 15,083,000 |
| Risk-weighted assets | 63,241,000 | 63,239,000 | 65,035,000 | 65,557,000 |