Call reports 2013
FIRST STATE BANK OF OKABENA (INCORPORATED) — 2013
What FIRST STATE BANK OF OKABENA (INCORPORATED) 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 | 20,243,000 | 19,372,000 | 18,607,000 | 18,063,000 |
| Total loans | 7,209,000 | 6,639,000 | 6,634,000 | 6,547,000 |
| Allowance for loan losses | 270,000 | 271,000 | 272,000 | 122,000 |
| Securities available for sale | 4,986,000 | 5,068,000 | 5,828,000 | 5,798,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,814,000 | 15,998,000 | 15,284,000 | 14,633,000 |
| Interest-bearing deposits | 12,099,000 | 11,829,000 | 11,484,000 | 11,113,000 |
| Noninterest-bearing deposits | 4,715,000 | 4,169,000 | 3,800,000 | 3,520,000 |
| Equity capital | 3,419,000 | 3,364,000 | 3,315,000 | 3,423,000 |
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 | 147,000 | 286,000 | 415,000 | 548,000 |
| Interest expense | 25,000 | 49,000 | 70,000 | 90,000 |
| Net interest income | 122,000 | 237,000 | 345,000 | 458,000 |
| Noninterest income | 9,000 | 19,000 | -45,000 | -35,000 |
| Noninterest expense | 100,000 | 214,000 | 323,000 | 452,000 |
| Provision for loan losses | 0 | 0 | 0 | -150,000 |
| Pretax income | 57,000 | 68,000 | 3,000 | 148,000 |
| Income tax | 0 | 0 | 0 | 15,000 |
| Net income | 57,000 | 68,000 | 3,000 | 133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,984,000 | 2,998,000 | 2,912,000 | 3,058,000 |
| Total capital | 3,097,000 | 3,099,000 | 3,014,000 | 3,159,000 |
| Risk-weighted assets | 8,527,000 | 7,842,000 | 8,017,000 | 8,079,000 |
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