Call reports 2013
FINANCE FACTORS, LIMITED — 2013
What FINANCE FACTORS, LIMITED 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 | 477,676,000 | 482,226,000 | 481,704,000 | 482,285,000 |
| Total loans | 278,014,000 | 282,630,000 | 286,979,000 | 293,258,000 |
| Allowance for loan losses | 8,777,000 | 8,309,000 | 8,572,000 | 8,738,000 |
| Securities available for sale | 97,508,000 | 101,026,000 | 99,925,000 | 101,193,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 391,712,000 | 395,406,000 | 394,305,000 | 393,703,000 |
| Interest-bearing deposits | 391,231,000 | 394,726,000 | 393,782,000 | 392,967,000 |
| Noninterest-bearing deposits | 481,000 | 680,000 | 523,000 | 736,000 |
| Equity capital | 58,095,000 | 58,679,000 | 59,271,000 | 59,880,000 |
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 | 4,532,000 | 9,421,000 | 14,334,000 | 19,051,000 |
| Interest expense | 670,000 | 1,283,000 | 1,864,000 | 2,441,000 |
| Net interest income | 3,862,000 | 8,138,000 | 12,470,000 | 16,610,000 |
| Noninterest income | 618,000 | 1,548,000 | 1,874,000 | 2,602,000 |
| Noninterest expense | 3,666,000 | 7,453,000 | 11,304,000 | 15,654,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 800,000 | 2,446,000 | 3,578,000 | 4,379,000 |
| Income tax | -10,000 | 466,000 | 717,000 | 855,000 |
| Net income | 810,000 | 1,980,000 | 2,861,000 | 3,524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,525,000 | 46,741,000 | 47,935,000 | 51,006,000 |
| Total capital | 49,788,000 | 51,019,000 | 52,125,000 | 55,444,000 |
| Risk-weighted assets | 313,599,000 | 314,201,000 | 309,292,000 | 315,426,000 |
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