Call reports 2013
COMMUNITY BANKERS' BANK — 2013
What COMMUNITY BANKERS' 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 | 161,804,000 | 158,985,000 | 146,726,000 | 143,538,000 |
| Total loans | 94,040,000 | 82,649,000 | 84,564,000 | 82,356,000 |
| Allowance for loan losses | 2,654,000 | 2,678,000 | 2,716,000 | 2,550,000 |
| Securities available for sale | 37,944,000 | 37,764,000 | 37,620,000 | 37,116,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,768,000 | 142,092,000 | 129,751,000 | 126,467,000 |
| Interest-bearing deposits | 67,164,000 | 65,705,000 | 58,452,000 | 57,633,000 |
| Noninterest-bearing deposits | 77,604,000 | 76,387,000 | 71,299,000 | 68,834,000 |
| Equity capital | 15,094,000 | 14,699,000 | 14,967,000 | 14,887,000 |
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 | 1,293,000 | 2,530,000 | 3,641,000 | 4,732,000 |
| Interest expense | 125,000 | 242,000 | 344,000 | 440,000 |
| Net interest income | 1,168,000 | 2,288,000 | 3,297,000 | 4,292,000 |
| Noninterest income | 728,000 | 1,730,000 | 2,587,000 | 3,358,000 |
| Noninterest expense | 1,477,000 | 2,970,000 | 4,403,000 | 5,910,000 |
| Provision for loan losses | 350,000 | 650,000 | 775,000 | 850,000 |
| Pretax income | 69,000 | 398,000 | 706,000 | 890,000 |
| Income tax | -6,000 | 77,000 | 153,000 | 186,000 |
| Net income | 75,000 | 321,000 | 553,000 | 704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,972,000 | 15,218,000 | 15,450,000 | 15,602,000 |
| Total capital | 16,336,000 | 16,465,000 | 16,713,000 | 16,838,000 |
| Risk-weighted assets | 107,861,000 | 98,311,000 | 99,610,000 | 97,569,000 |