Call reports 2013
BIG HORN FEDERAL SAVINGS BANK — 2013
What BIG HORN FEDERAL SAVINGS 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 | 231,065,000 | 229,240,000 | 223,756,000 | 221,272,000 |
| Total loans | 99,802,000 | 105,493,000 | 101,255,000 | 101,454,000 |
| Allowance for loan losses | 1,059,000 | 1,077,000 | 1,086,000 | 1,315,000 |
| Securities available for sale | 287,000 | 277,000 | 274,000 | 269,000 |
| Securities held to maturity | 44,862,000 | 48,998,000 | 56,113,000 | 57,286,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,717,000 | 202,001,000 | 194,960,000 | 194,149,000 |
| Interest-bearing deposits | 190,427,000 | 188,768,000 | 180,571,000 | 180,657,000 |
| Noninterest-bearing deposits | 12,290,000 | 13,233,000 | 14,389,000 | 13,492,000 |
| Equity capital | 19,921,000 | 20,156,000 | 20,398,000 | 20,743,000 |
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 | 1,633,000 | 3,611,000 | 5,522,000 | 7,303,000 |
| Interest expense | 198,000 | 394,000 | 565,000 | 726,000 |
| Net interest income | 1,435,000 | 3,217,000 | 4,957,000 | 6,577,000 |
| Noninterest income | 456,000 | 727,000 | 1,131,000 | 1,507,000 |
| Noninterest expense | 1,556,000 | 3,139,000 | 4,858,000 | 6,186,000 |
| Provision for loan losses | 25,000 | 131,000 | 186,000 | 466,000 |
| Pretax income | 310,000 | 674,000 | 1,044,000 | 1,432,000 |
| Income tax | 107,000 | 231,000 | 357,000 | 391,000 |
| Net income | 203,000 | 443,000 | 687,000 | 1,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,810,000 | 19,279,000 | 19,522,000 | 19,687,000 |
| Total capital | 20,869,000 | 20,356,000 | 20,642,000 | 21,088,000 |
| Risk-weighted assets | 107,592,000 | 113,550,000 | 112,572,000 | 112,604,000 |