Call reports 2013
BANK OF HOLLAND — 2013
What BANK OF HOLLAND 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 | 89,461,000 | 88,403,000 | 91,087,000 | 89,041,000 |
| Total loans | 57,807,000 | 58,832,000 | 60,568,000 | 61,461,000 |
| Allowance for loan losses | 770,000 | 800,000 | 850,000 | 870,000 |
| Securities available for sale | 18,914,000 | 18,697,000 | 18,839,000 | 18,588,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,173,000 | 81,451,000 | 84,045,000 | 81,494,000 |
| Interest-bearing deposits | 65,227,000 | 64,621,000 | 65,308,000 | 63,618,000 |
| Noninterest-bearing deposits | 16,946,000 | 16,830,000 | 18,737,000 | 17,876,000 |
| Equity capital | 7,211,000 | 6,846,000 | 6,922,000 | 7,445,000 |
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 | 878,000 | 1,800,000 | 2,730,000 | 3,655,000 |
| Interest expense | 96,000 | 194,000 | 292,000 | 387,000 |
| Net interest income | 782,000 | 1,606,000 | 2,438,000 | 3,268,000 |
| Noninterest income | 151,000 | 312,000 | 480,000 | 622,000 |
| Noninterest expense | 743,000 | 1,537,000 | 2,284,000 | 3,114,000 |
| Provision for loan losses | 21,000 | 53,000 | 102,000 | 121,000 |
| Pretax income | 167,000 | 323,000 | 527,000 | 650,000 |
| Income tax | 23,000 | 47,000 | 86,000 | 110,000 |
| Net income | 144,000 | 276,000 | 441,000 | 540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,730,000 | 7,862,000 | 7,955,000 | 8,053,000 |
| Total capital | 8,477,000 | 8,493,000 | 8,585,000 | 8,721,000 |
| Risk-weighted assets | 58,975,000 | 59,127,000 | 54,029,000 | 53,790,000 |