Call reports 2013
AREA BANK — 2013
What AREA 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 | 101,854,000 | 98,777,000 | 100,340,000 | 99,120,000 |
| Total loans | 25,056,000 | 26,392,000 | 28,455,000 | 28,415,000 |
| Allowance for loan losses | 644,000 | 349,000 | 383,000 | 397,000 |
| Securities available for sale | 71,051,000 | 66,297,000 | 63,430,000 | 63,529,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,883,000 | 89,828,000 | 92,694,000 | 91,528,000 |
| Interest-bearing deposits | 73,955,000 | 73,120,000 | 73,503,000 | 73,354,000 |
| Noninterest-bearing deposits | 17,928,000 | 16,708,000 | 19,191,000 | 18,174,000 |
| Equity capital | 8,466,000 | 6,675,000 | 6,625,000 | 6,513,000 |
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 | 614,000 | 1,296,000 | 2,007,000 | 2,733,000 |
| Interest expense | 111,000 | 223,000 | 331,000 | 437,000 |
| Net interest income | 503,000 | 1,073,000 | 1,676,000 | 2,296,000 |
| Noninterest income | 117,000 | 267,000 | 410,000 | 549,000 |
| Noninterest expense | 471,000 | 1,017,000 | 1,579,000 | 2,199,000 |
| Provision for loan losses | 0 | 80,000 | 114,000 | 130,000 |
| Pretax income | 149,000 | 284,000 | 441,000 | 579,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 149,000 | 284,000 | 441,000 | 579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,658,000 | 8,122,000 | 8,285,000 | 8,325,000 |
| Total capital | 8,188,000 | 8,471,000 | 8,668,000 | 8,722,000 |
| Risk-weighted assets | 42,282,000 | 43,743,000 | 46,326,000 | 46,403,000 |