Call reports 2013
TIGHTWAD BANK — 2013
What TIGHTWAD 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 | 9,127,000 | 8,295,000 | 7,853,000 | 7,281,000 |
| Total loans | 5,740,000 | 5,284,000 | 4,290,000 | 3,723,000 |
| Allowance for loan losses | 332,000 | 330,000 | 337,000 | 337,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,181,000 | 7,389,000 | 6,989,000 | 6,475,000 |
| Interest-bearing deposits | 7,310,000 | 6,623,000 | 6,039,000 | 5,661,000 |
| Noninterest-bearing deposits | 871,000 | 766,000 | 950,000 | 814,000 |
| Equity capital | 944,000 | 904,000 | 863,000 | 805,000 |
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 | 84,000 | 160,000 | 229,000 | 291,000 |
| Interest expense | 15,000 | 20,000 | 35,000 | 41,000 |
| Net interest income | 69,000 | 140,000 | 194,000 | 250,000 |
| Noninterest income | -1,000 | 1,000 | 5,000 | 7,000 |
| Noninterest expense | 120,000 | 234,000 | 335,000 | 450,000 |
| Provision for loan losses | 118,000 | 118,000 | 118,000 | 118,000 |
| Pretax income | -170,000 | -211,000 | -254,000 | -311,000 |
| Income tax | 0 | 0 | -1,000 | -1,000 |
| Net income | -170,000 | -211,000 | -253,000 | -310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 944,000 | 904,000 | 863,000 | 805,000 |
| Total capital | 1,015,000 | 971,000 | 920,000 | 855,000 |
| Risk-weighted assets | 5,440,000 | 5,055,000 | 4,274,000 | 3,690,000 |