Call reports 2013
BAKER BOYER NATIONAL BANK — 2013
What BAKER BOYER NATIONAL 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 | 553,719,000 | 534,907,000 | 534,333,000 | 552,812,000 |
| Total loans | 284,123,000 | 288,283,000 | 280,017,000 | 282,656,000 |
| Allowance for loan losses | 6,715,000 | 6,720,000 | 6,721,000 | 6,713,000 |
| Securities available for sale | 159,821,000 | 184,043,000 | 191,907,000 | 177,218,000 |
| Securities held to maturity | 2,882,000 | 2,887,000 | 1,866,000 | 1,535,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 485,777,000 | 467,717,000 | 470,414,000 | 487,432,000 |
| Interest-bearing deposits | 354,174,000 | 351,869,000 | 346,493,000 | 354,465,000 |
| Noninterest-bearing deposits | 131,603,000 | 115,848,000 | 123,921,000 | 132,967,000 |
| Equity capital | 45,428,000 | 45,613,000 | 46,108,000 | 46,864,000 |
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 | 4,799,000 | 9,405,000 | 14,034,000 | 18,543,000 |
| Interest expense | 180,000 | 345,000 | 494,000 | 635,000 |
| Net interest income | 4,619,000 | 9,060,000 | 13,540,000 | 17,908,000 |
| Noninterest income | 2,457,000 | 5,493,000 | 8,361,000 | 11,745,000 |
| Noninterest expense | 5,039,000 | 10,795,000 | 15,734,000 | 21,105,000 |
| Provision for loan losses | 1,000 | 1,000 | 3,000 | 18,000 |
| Pretax income | 2,044,000 | 3,853,000 | 6,253,000 | 8,619,000 |
| Income tax | 532,000 | 1,012,000 | 1,686,000 | 2,324,000 |
| Net income | 1,512,000 | 2,841,000 | 4,567,000 | 6,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,380,000 | 44,769,000 | 45,594,000 | 46,282,000 |
| Total capital | 48,316,000 | 49,026,000 | 49,811,000 | 50,489,000 |
| Risk-weighted assets | 331,228,000 | 338,081,000 | 334,825,000 | 334,049,000 |