Call reports 2013
STATE BANK OF BEMENT — 2013
What STATE BANK OF BEMENT 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 | 82,416,000 | 78,460,000 | 79,309,000 | 81,186,000 |
| Total loans | 41,809,000 | 41,581,000 | 43,899,000 | 47,218,000 |
| Allowance for loan losses | 408,000 | 637,000 | 637,000 | 479,000 |
| Securities available for sale | 3,490,000 | 3,783,000 | 4,809,000 | 8,786,000 |
| Securities held to maturity | 15,823,000 | 14,796,000 | 14,859,000 | 14,690,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,889,000 | 66,838,000 | 67,556,000 | 69,585,000 |
| Interest-bearing deposits | 57,788,000 | 54,744,000 | 56,348,000 | 55,290,000 |
| Noninterest-bearing deposits | 13,101,000 | 12,094,000 | 11,208,000 | 14,295,000 |
| Equity capital | 11,347,000 | 11,441,000 | 11,533,000 | 11,298,000 |
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 | 711,000 | 1,470,000 | 2,190,000 | 2,945,000 |
| Interest expense | 35,000 | 66,000 | 95,000 | 122,000 |
| Net interest income | 676,000 | 1,404,000 | 2,095,000 | 2,823,000 |
| Noninterest income | 126,000 | 364,000 | 479,000 | 658,000 |
| Noninterest expense | 676,000 | 1,364,000 | 2,070,000 | 2,816,000 |
| Provision for loan losses | 16,000 | 17,000 | 17,000 | 22,000 |
| Pretax income | 110,000 | 387,000 | 487,000 | 643,000 |
| Income tax | 8,000 | 98,000 | 116,000 | 144,000 |
| Net income | 102,000 | 289,000 | 371,000 | 499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,321,000 | 11,468,000 | 11,550,000 | 11,352,000 |
| Total capital | 11,729,000 | 12,095,000 | 12,187,000 | 11,831,000 |
| Risk-weighted assets | 54,505,000 | 50,158,000 | 53,681,000 | 56,911,000 |