Call reports 2013
BENDENA STATE BANK — 2013
What BENDENA STATE 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 | 52,024,000 | 51,324,000 | 52,340,000 | 51,632,000 |
| Total loans | 31,600,000 | 33,196,000 | 35,619,000 | 34,622,000 |
| Allowance for loan losses | 286,000 | 298,000 | 320,000 | 336,000 |
| Securities available for sale | 15,246,000 | 13,768,000 | 13,297,000 | 12,840,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,055,000 | 46,866,000 | 47,058,000 | 46,990,000 |
| Interest-bearing deposits | 34,557,000 | 35,283,000 | 35,246,000 | 34,059,000 |
| Noninterest-bearing deposits | 13,498,000 | 11,583,000 | 11,812,000 | 12,931,000 |
| Equity capital | 3,882,000 | 3,395,000 | 3,552,000 | 3,576,000 |
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 | 452,000 | 919,000 | 1,403,000 | 1,887,000 |
| Interest expense | 57,000 | 113,000 | 166,000 | 220,000 |
| Net interest income | 395,000 | 806,000 | 1,237,000 | 1,667,000 |
| Noninterest income | 44,000 | 85,000 | 131,000 | 177,000 |
| Noninterest expense | 284,000 | 563,000 | 860,000 | 1,161,000 |
| Provision for loan losses | 8,000 | 20,000 | 42,000 | 58,000 |
| Pretax income | 163,000 | 306,000 | 463,000 | 622,000 |
| Income tax | 7,000 | 13,000 | 20,000 | 27,000 |
| Net income | 156,000 | 293,000 | 443,000 | 595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,647,000 | 3,715,000 | 3,809,000 | 3,905,000 |
| Total capital | 3,933,000 | 4,013,000 | 4,129,000 | 4,241,000 |
| Risk-weighted assets | 33,460,000 | 34,986,000 | 37,254,000 | 36,589,000 |