Call reports 2013
PORTAGE COMMUNITY BANK — 2013
What PORTAGE COMMUNITY 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 | 273,725,000 | 269,581,000 | 274,555,000 | 271,232,000 |
| Total loans | 193,870,000 | 197,939,000 | 199,014,000 | 194,601,000 |
| Allowance for loan losses | 3,418,000 | 3,289,000 | 3,333,000 | 3,291,000 |
| Securities available for sale | 54,223,000 | 52,553,000 | 50,576,000 | 54,261,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,865,000 | 225,306,000 | 230,403,000 | 227,430,000 |
| Interest-bearing deposits | 203,179,000 | 197,032,000 | 200,723,000 | 198,924,000 |
| Noninterest-bearing deposits | 26,686,000 | 28,274,000 | 29,680,000 | 28,506,000 |
| Equity capital | 25,605,000 | 25,612,000 | 25,812,000 | 26,167,000 |
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 | 2,651,000 | 5,287,000 | 7,992,000 | 10,674,000 |
| Interest expense | 410,000 | 811,000 | 1,215,000 | 1,612,000 |
| Net interest income | 2,241,000 | 4,476,000 | 6,777,000 | 9,062,000 |
| Noninterest income | 333,000 | 700,000 | 1,116,000 | 1,457,000 |
| Noninterest expense | 1,634,000 | 3,306,000 | 4,978,000 | 6,797,000 |
| Provision for loan losses | 100,000 | 310,000 | 490,000 | 910,000 |
| Pretax income | 840,000 | 1,560,000 | 2,425,000 | 2,812,000 |
| Income tax | 231,000 | 415,000 | 658,000 | 727,000 |
| Net income | 609,000 | 1,145,000 | 1,767,000 | 2,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,016,000 | 25,552,000 | 26,173,000 | 26,492,000 |
| Total capital | 27,382,000 | 27,956,000 | 28,594,000 | 28,882,000 |
| Risk-weighted assets | 188,234,000 | 191,437,000 | 192,747,000 | 190,285,000 |
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