Call reports 2013
GLADEWATER NATIONAL BANK — 2013
What GLADEWATER NATIONAL 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 | 48,606,000 | 52,813,000 | 52,092,000 | 55,642,000 |
| Total loans | 26,857,000 | 31,385,000 | 33,822,000 | 36,737,000 |
| Allowance for loan losses | 378,000 | 381,000 | 382,000 | 385,000 |
| Securities available for sale | 12,737,000 | 14,079,000 | 14,307,000 | 14,845,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,849,000 | 39,215,000 | 44,962,000 | 44,208,000 |
| Interest-bearing deposits | 34,051,000 | 31,626,000 | 37,188,000 | 37,559,000 |
| Noninterest-bearing deposits | 6,798,000 | 7,589,000 | 7,774,000 | 6,649,000 |
| Equity capital | 6,515,000 | 6,373,000 | 6,371,000 | 6,579,000 |
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 | 438,000 | 936,000 | 1,471,000 | 2,089,000 |
| Interest expense | 66,000 | 128,000 | 196,000 | 265,000 |
| Net interest income | 372,000 | 808,000 | 1,275,000 | 1,824,000 |
| Noninterest income | 542,000 | 1,371,000 | 2,286,000 | 3,689,000 |
| Noninterest expense | 923,000 | 2,142,000 | 3,435,000 | 5,112,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -9,000 | 37,000 | 126,000 | 401,000 |
| Income tax | -3,000 | 8,000 | 31,000 | 119,000 |
| Net income | -6,000 | 29,000 | 95,000 | 282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,371,000 | 6,407,000 | 6,471,000 | 6,659,000 |
| Total capital | 6,662,000 | 6,721,000 | 6,801,000 | 7,006,000 |
| Risk-weighted assets | 23,189,000 | 25,115,000 | 26,313,000 | 27,863,000 |