Call reports 2013
SPRATT SAVINGS BANK — 2013
What SPRATT SAVINGS 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 | 102,079,000 | 105,329,000 | 106,780,000 | 104,706,000 |
| Total loans | 28,308,000 | 27,649,000 | 27,570,000 | 28,555,000 |
| Allowance for loan losses | 1,207,000 | 1,190,000 | 1,190,000 | 1,190,000 |
| Securities available for sale | 21,445,000 | 20,199,000 | 19,227,000 | 18,449,000 |
| Securities held to maturity | 27,578,000 | 29,813,000 | 31,744,000 | 33,781,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,974,000 | 78,247,000 | 79,704,000 | 77,610,000 |
| Interest-bearing deposits | 69,285,000 | 70,856,000 | 73,283,000 | 71,795,000 |
| Noninterest-bearing deposits | 5,689,000 | 7,391,000 | 6,421,000 | 5,815,000 |
| Equity capital | 26,876,000 | 26,843,000 | 26,822,000 | 26,876,000 |
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 | 658,000 | 1,316,000 | 2,038,000 | 2,745,000 |
| Interest expense | 147,000 | 296,000 | 449,000 | 603,000 |
| Net interest income | 511,000 | 1,020,000 | 1,589,000 | 2,142,000 |
| Noninterest income | 79,000 | 191,000 | 212,000 | 265,000 |
| Noninterest expense | 501,000 | 994,000 | 1,489,000 | 1,987,000 |
| Provision for loan losses | 0 | -17,000 | -17,000 | -17,000 |
| Pretax income | 89,000 | 243,000 | 347,000 | 455,000 |
| Income tax | 17,000 | 59,000 | 83,000 | 109,000 |
| Net income | 72,000 | 184,000 | 264,000 | 346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,755,000 | 26,868,000 | 26,947,000 | 27,030,000 |
| Total capital | 27,242,000 | 27,345,000 | 27,424,000 | 27,520,000 |
| Risk-weighted assets | 38,317,000 | 37,499,000 | 37,496,000 | 38,535,000 |
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