Call reports 2013
SAVOY BANK — 2013
What SAVOY 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 | 86,204,000 | 94,824,000 | 99,586,000 | 100,954,000 |
| Total loans | 64,312,000 | 70,770,000 | 72,322,000 | 76,375,000 |
| Allowance for loan losses | 2,227,000 | 2,286,000 | 2,193,000 | 1,922,000 |
| Securities available for sale | 6,983,000 | 6,418,000 | 5,945,000 | 6,648,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,185,000 | 84,983,000 | 88,125,000 | 89,125,000 |
| Interest-bearing deposits | 58,403,000 | 64,487,000 | 66,852,000 | 71,472,000 |
| Noninterest-bearing deposits | 17,782,000 | 20,496,000 | 21,273,000 | 17,653,000 |
| Equity capital | 8,992,000 | 8,739,000 | 10,843,000 | 11,326,000 |
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 | 1,079,000 | 2,223,000 | 3,401,000 | 4,714,000 |
| Interest expense | 133,000 | 273,000 | 413,000 | 553,000 |
| Net interest income | 946,000 | 1,950,000 | 2,988,000 | 4,161,000 |
| Noninterest income | 26,000 | 49,000 | 75,000 | 101,000 |
| Noninterest expense | 1,100,000 | 2,189,000 | 3,207,000 | 4,095,000 |
| Provision for loan losses | 40,000 | 99,000 | 99,000 | 99,000 |
| Pretax income | -168,000 | -289,000 | -243,000 | 68,000 |
| Income tax | 0 | 3,000 | 10,000 | 19,000 |
| Net income | -168,000 | -292,000 | -253,000 | 49,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,821,000 | 8,698,000 | 10,926,000 | 11,438,000 |
| Total capital | 9,690,000 | 9,638,000 | 11,899,000 | 12,447,000 |
| Risk-weighted assets | 68,119,000 | 73,882,000 | 76,681,000 | 79,786,000 |
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