Call reports 2013
ANDALUSIA COMMUNITY BANK — 2013
What ANDALUSIA COMMUNITY 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 | 48,929,000 | 46,861,000 | 45,961,000 | 42,783,000 |
| Total loans | 24,637,000 | 25,038,000 | 25,151,000 | 24,391,000 |
| Allowance for loan losses | 792,000 | 862,000 | 762,000 | 717,000 |
| Securities available for sale | 12,323,000 | 11,366,000 | 11,562,000 | 10,610,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,292,000 | 40,480,000 | 37,960,000 | 36,057,000 |
| Interest-bearing deposits | 26,616,000 | 24,504,000 | 32,190,000 | 30,406,000 |
| Noninterest-bearing deposits | 15,676,000 | 15,976,000 | 5,770,000 | 5,651,000 |
| Equity capital | 6,123,000 | 6,076,000 | 6,075,000 | 6,100,000 |
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 | 434,000 | 881,000 | 1,331,000 | 1,780,000 |
| Interest expense | 59,000 | 109,000 | 153,000 | 193,000 |
| Net interest income | 375,000 | 772,000 | 1,178,000 | 1,587,000 |
| Noninterest income | 48,000 | 128,000 | 162,000 | 229,000 |
| Noninterest expense | 405,000 | 821,000 | 1,259,000 | 1,734,000 |
| Provision for loan losses | 34,000 | 45,000 | 0 | 0 |
| Pretax income | 36,000 | 85,000 | 133,000 | 134,000 |
| Income tax | -11,000 | -13,000 | -14,000 | -38,000 |
| Net income | 47,000 | 98,000 | 147,000 | 172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,870,000 | 5,921,000 | 5,971,000 | 5,995,000 |
| Total capital | 6,179,000 | 6,227,000 | 6,282,000 | 6,293,000 |
| Risk-weighted assets | 24,253,000 | 23,894,000 | 24,411,000 | 23,392,000 |