Call reports 2013
COULEE BANK — 2013
What COULEE 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 | 283,804,000 | 272,544,000 | 276,280,000 | 282,731,000 |
| Total loans | 188,948,000 | 185,436,000 | 183,225,000 | 186,833,000 |
| Allowance for loan losses | 3,063,000 | 2,820,000 | 2,637,000 | 2,405,000 |
| Securities available for sale | 72,347,000 | 75,654,000 | 84,357,000 | 82,020,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,575,000 | 218,061,000 | 217,882,000 | 222,890,000 |
| Interest-bearing deposits | 212,024,000 | 210,458,000 | 207,968,000 | 213,688,000 |
| Noninterest-bearing deposits | 7,551,000 | 7,603,000 | 9,914,000 | 9,202,000 |
| Equity capital | 29,534,000 | 26,904,000 | 27,774,000 | 27,326,000 |
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 | 3,202,000 | 6,182,000 | 9,075,000 | 11,980,000 |
| Interest expense | 470,000 | 927,000 | 1,372,000 | 1,800,000 |
| Net interest income | 2,732,000 | 5,255,000 | 7,703,000 | 10,180,000 |
| Noninterest income | 603,000 | 1,429,000 | 2,169,000 | 2,588,000 |
| Noninterest expense | 1,663,000 | 3,360,000 | 5,087,000 | 7,075,000 |
| Provision for loan losses | 190,000 | 295,000 | 365,000 | 417,000 |
| Pretax income | 1,580,000 | 3,127,000 | 4,518,000 | 5,374,000 |
| Income tax | 8,000 | 15,000 | 23,000 | 30,000 |
| Net income | 1,572,000 | 3,112,000 | 4,495,000 | 5,344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,387,000 | 25,353,000 | 26,116,000 | 26,131,000 |
| Total capital | 28,635,000 | 27,550,000 | 28,294,000 | 28,331,000 |
| Risk-weighted assets | 179,093,000 | 175,331,000 | 173,811,000 | 175,757,000 |
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