Call reports 2013
STATE BANK OF CERRO GORDO — 2013
What STATE BANK OF CERRO GORDO 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 | 25,270,000 | 24,690,000 | 28,079,000 | 26,095,000 |
| Total loans | 9,065,000 | 10,214,000 | 10,210,000 | 10,098,000 |
| Allowance for loan losses | 97,000 | 132,000 | 133,000 | 134,000 |
| Securities available for sale | 528,000 | 520,000 | 524,000 | 2,685,000 |
| Securities held to maturity | 5,852,000 | 5,448,000 | 5,744,000 | 5,357,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,383,000 | 20,768,000 | 24,139,000 | 22,190,000 |
| Interest-bearing deposits | 18,230,000 | 17,447,000 | 19,939,000 | 18,874,000 |
| Noninterest-bearing deposits | 3,153,000 | 3,321,000 | 4,200,000 | 3,316,000 |
| Equity capital | 3,824,000 | 3,853,000 | 3,871,000 | 3,873,000 |
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 | 186,000 | 381,000 | 577,000 | 776,000 |
| Interest expense | 10,000 | 18,000 | 27,000 | 35,000 |
| Net interest income | 176,000 | 363,000 | 550,000 | 741,000 |
| Noninterest income | 33,000 | 112,000 | 147,000 | 174,000 |
| Noninterest expense | 202,000 | 398,000 | 603,000 | 806,000 |
| Provision for loan losses | 1,000 | 34,000 | 34,000 | 34,000 |
| Pretax income | 6,000 | 43,000 | 60,000 | 75,000 |
| Income tax | 0 | 3,000 | 4,000 | -11,000 |
| Net income | 6,000 | 40,000 | 56,000 | 86,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,314,000 | 3,348,000 | 3,364,000 | 3,374,000 |
| Total capital | 3,411,000 | 3,481,000 | 3,498,000 | 3,513,000 |
| Risk-weighted assets | 10,525,000 | 11,619,000 | 12,003,000 | 11,976,000 |