Call reports 2013
STOCK GROWERS BANK — 2013
What STOCK GROWERS 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 | 119,249,000 | 104,900,000 | 109,981,000 | 113,907,000 |
| Total loans | 43,026,000 | 45,325,000 | 49,612,000 | 52,258,000 |
| Allowance for loan losses | 203,000 | 202,000 | 201,000 | 216,000 |
| Securities available for sale | 54,377,000 | 54,740,000 | 56,023,000 | 57,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,904,000 | 91,306,000 | 90,395,000 | 93,760,000 |
| Interest-bearing deposits | 79,987,000 | 70,906,000 | 69,366,000 | 72,153,000 |
| Noninterest-bearing deposits | 23,917,000 | 20,400,000 | 21,029,000 | 21,607,000 |
| Equity capital | 14,950,000 | 13,452,000 | 14,641,000 | 14,710,000 |
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 | 991,000 | 1,972,000 | 2,996,000 | 4,070,000 |
| Interest expense | 80,000 | 154,000 | 227,000 | 302,000 |
| Net interest income | 911,000 | 1,818,000 | 2,769,000 | 3,768,000 |
| Noninterest income | 40,000 | 84,000 | 132,000 | 191,000 |
| Noninterest expense | 285,000 | 568,000 | 863,000 | 1,616,000 |
| Provision for loan losses | 0 | 0 | 0 | 16,000 |
| Pretax income | 666,000 | 1,334,000 | 2,038,000 | 2,327,000 |
| Income tax | -5,000 | -83,000 | -83,000 | -83,000 |
| Net income | 671,000 | 1,417,000 | 2,121,000 | 2,410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,115,000 | 13,862,000 | 14,566,000 | 14,855,000 |
| Total capital | 13,318,000 | 14,064,000 | 14,767,000 | 15,071,000 |
| Risk-weighted assets | 61,029,000 | 66,242,000 | 72,572,000 | 75,865,000 |