Call reports 2013
STOCK EXCHANGE BANK — 2013
What STOCK EXCHANGE 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 | 45,826,000 | 46,475,000 | 46,191,000 | 45,667,000 |
| Total loans | 22,570,000 | 24,121,000 | 24,254,000 | 27,317,000 |
| Allowance for loan losses | 292,000 | 301,000 | 304,000 | 310,000 |
| Securities available for sale | 18,155,000 | 16,486,000 | 16,524,000 | 13,606,000 |
| Securities held to maturity | 175,000 | 175,000 | 100,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,126,000 | 43,089,000 | 42,061,000 | 42,306,000 |
| Interest-bearing deposits | 34,971,000 | 35,616,000 | 35,129,000 | 35,512,000 |
| Noninterest-bearing deposits | 7,155,000 | 7,474,000 | 6,932,000 | 6,793,000 |
| Equity capital | 3,566,000 | 3,365,000 | 3,330,000 | 3,292,000 |
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 | 374,000 | 767,000 | 1,171,000 | 1,609,000 |
| Interest expense | 50,000 | 98,000 | 146,000 | 190,000 |
| Net interest income | 324,000 | 669,000 | 1,025,000 | 1,419,000 |
| Noninterest income | 39,000 | 72,000 | 113,000 | 147,000 |
| Noninterest expense | 325,000 | 684,000 | 1,035,000 | 1,437,000 |
| Provision for loan losses | 0 | 9,000 | 12,000 | 18,000 |
| Pretax income | 42,000 | 61,000 | 104,000 | 127,000 |
| Income tax | 8,000 | 14,000 | 26,000 | 32,000 |
| Net income | 34,000 | 47,000 | 78,000 | 95,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,377,000 | 3,390,000 | 3,420,000 | 3,425,000 |
| Total capital | 3,669,000 | 3,691,000 | 3,724,000 | 3,735,000 |
| Risk-weighted assets | 23,909,000 | 24,555,000 | 24,376,000 | 26,056,000 |