Call reports 2013
SAVANNAH RIVER BANKING COMPANY — 2013
What SAVANNAH RIVER BANKING COMPANY 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 | 156,591,000 | 158,801,000 | 155,996,000 | 152,315,000 |
| Total loans | 114,666,000 | 110,694,000 | 112,792,000 | 110,371,000 |
| Allowance for loan losses | 1,998,000 | 2,081,000 | 2,161,000 | 2,229,000 |
| Securities available for sale | 22,932,000 | 22,194,000 | 23,885,000 | 23,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,753,000 | 130,739,000 | 124,076,000 | 121,512,000 |
| Interest-bearing deposits | 115,911,000 | 117,940,000 | 113,947,000 | 111,352,000 |
| Noninterest-bearing deposits | 12,842,000 | 12,799,000 | 10,129,000 | 10,160,000 |
| Equity capital | 21,812,000 | 21,715,000 | 22,073,000 | 22,239,000 |
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 | 1,537,000 | 3,065,000 | 4,593,000 | 6,087,000 |
| Interest expense | 191,000 | 360,000 | 525,000 | 682,000 |
| Net interest income | 1,346,000 | 2,705,000 | 4,068,000 | 5,405,000 |
| Noninterest income | 119,000 | 198,000 | 298,000 | 385,000 |
| Noninterest expense | 1,016,000 | 2,036,000 | 2,952,000 | 4,012,000 |
| Provision for loan losses | 74,000 | 147,000 | 227,000 | 307,000 |
| Pretax income | 375,000 | 720,000 | 1,187,000 | 1,503,000 |
| Income tax | 145,000 | 275,000 | 414,000 | 439,000 |
| Net income | 230,000 | 445,000 | 773,000 | 1,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,047,000 | 21,491,000 | 21,820,000 | 22,111,000 |
| Total capital | 22,619,000 | 23,101,000 | 23,447,000 | 23,708,000 |
| Risk-weighted assets | 125,353,000 | 128,296,000 | 129,662,000 | 127,134,000 |