Call reports 2013
STATE BANK OF DOWNS — 2013
What STATE BANK OF DOWNS 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 | 66,811,000 | 69,623,000 | 74,524,000 | 79,099,000 |
| Total loans | 55,011,000 | 62,025,000 | 63,863,000 | 67,144,000 |
| Allowance for loan losses | 697,000 | 697,000 | 747,000 | 747,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,780,000 | 1,704,000 | 1,702,000 | 1,701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,976,000 | 56,446,000 | 61,199,000 | 66,099,000 |
| Interest-bearing deposits | 38,213,000 | 41,142,000 | 47,133,000 | 52,073,000 |
| Noninterest-bearing deposits | 16,763,000 | 15,304,000 | 14,066,000 | 14,026,000 |
| Equity capital | 8,333,000 | 8,656,000 | 8,756,000 | 8,457,000 |
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 | 835,000 | 1,783,000 | 2,775,000 | 3,745,000 |
| Interest expense | 94,000 | 191,000 | 303,000 | 429,000 |
| Net interest income | 741,000 | 1,592,000 | 2,472,000 | 3,316,000 |
| Noninterest income | 4,000 | 21,000 | 57,000 | 72,000 |
| Noninterest expense | 489,000 | 1,033,000 | 1,642,000 | 2,281,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 250,000 |
| Pretax income | 256,000 | 580,000 | 837,000 | 857,000 |
| Income tax | 1,000 | 2,000 | 2,000 | 8,000 |
| Net income | 255,000 | 578,000 | 835,000 | 849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,333,000 | 8,656,000 | 8,756,000 | 8,457,000 |
| Total capital | 9,030,000 | 9,353,000 | 9,503,000 | 9,204,000 |
| Risk-weighted assets | 64,641,000 | 60,459,000 | 62,277,000 | 66,133,000 |
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