Call reports 2013
LOCAL BANK — 2013
What LOCAL 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 | 105,880,000 | 106,343,000 | 103,247,000 | 103,101,000 |
| Total loans | 69,389,000 | 69,906,000 | 67,887,000 | 67,960,000 |
| Allowance for loan losses | 1,081,000 | 1,124,000 | 1,148,000 | 1,191,000 |
| Securities available for sale | 18,539,000 | 21,796,000 | 20,077,000 | 19,618,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,941,000 | 98,500,000 | 96,279,000 | 96,209,000 |
| Interest-bearing deposits | 83,446,000 | 82,632,000 | 77,709,000 | 79,540,000 |
| Noninterest-bearing deposits | 14,495,000 | 15,868,000 | 18,570,000 | 16,669,000 |
| Equity capital | 7,660,000 | 7,635,000 | 6,791,000 | 6,634,000 |
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 | 1,278,000 | 2,568,000 | 3,841,000 | 5,084,000 |
| Interest expense | 168,000 | 334,000 | 501,000 | 651,000 |
| Net interest income | 1,110,000 | 2,234,000 | 3,340,000 | 4,433,000 |
| Noninterest income | 117,000 | 278,000 | 417,000 | 536,000 |
| Noninterest expense | 978,000 | 1,966,000 | 2,932,000 | 3,927,000 |
| Provision for loan losses | 49,000 | 125,000 | 201,000 | 268,000 |
| Pretax income | 200,000 | 421,000 | 624,000 | 774,000 |
| Income tax | 64,000 | 133,000 | 186,000 | 160,000 |
| Net income | 136,000 | 288,000 | 438,000 | 614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,653,000 | 7,777,000 | 7,861,000 | 7,938,000 |
| Total capital | 8,463,000 | 8,605,000 | 8,670,000 | 8,788,000 |
| Risk-weighted assets | 64,526,000 | 65,918,000 | 64,348,000 | 67,634,000 |