Call reports 2013
SUNCREST BANK — 2013
What SUNCREST 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 | 99,942,000 | 110,423,000 | 123,068,000 | 126,278,000 |
| Total loans | 82,177,000 | 87,551,000 | 81,655,000 | 94,187,000 |
| Allowance for loan losses | 1,390,000 | 1,408,000 | 1,408,000 | 1,417,000 |
| Securities available for sale | 13,836,000 | 11,239,000 | 13,205,000 | 14,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,255,000 | 93,497,000 | 105,991,000 | 109,530,000 |
| Interest-bearing deposits | 63,653,000 | 68,229,000 | 75,536,000 | 75,367,000 |
| Noninterest-bearing deposits | 22,602,000 | 25,267,000 | 30,456,000 | 34,163,000 |
| Equity capital | 13,342,000 | 13,601,000 | 13,774,000 | 16,351,000 |
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 | 1,162,000 | 2,597,000 | 3,855,000 | 5,136,000 |
| Interest expense | 94,000 | 189,000 | 288,000 | 401,000 |
| Net interest income | 1,068,000 | 2,408,000 | 3,567,000 | 4,735,000 |
| Noninterest income | 60,000 | 155,000 | 196,000 | 217,000 |
| Noninterest expense | 939,000 | 2,015,000 | 3,050,000 | 4,276,000 |
| Provision for loan losses | 18,000 | 36,000 | 36,000 | 36,000 |
| Pretax income | 171,000 | 512,000 | 677,000 | 640,000 |
| Income tax | 3,000 | 10,000 | 15,000 | -2,553,000 |
| Net income | 168,000 | 502,000 | 662,000 | 3,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,329,000 | 13,697,000 | 13,864,000 | 14,158,000 |
| Total capital | 14,356,000 | 14,791,000 | 14,867,000 | 15,335,000 |
| Risk-weighted assets | 88,617,000 | 96,037,000 | 95,443,000 | 108,983,000 |
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