Call reports 2013
GUERNSEY BANK, THE — 2013
What GUERNSEY BANK, THE 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 | 129,979,000 | 122,676,000 | 123,624,000 | 122,888,000 |
| Total loans | 85,048,000 | 78,883,000 | 76,536,000 | 74,859,000 |
| Allowance for loan losses | 1,271,000 | 1,142,000 | 1,147,000 | 1,148,000 |
| Securities available for sale | 18,528,000 | 28,738,000 | 20,885,000 | 2,841,000 |
| Securities held to maturity | 0 | 0 | 0 | 18,403,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,133,000 | 102,982,000 | 102,267,000 | 100,525,000 |
| Interest-bearing deposits | 101,393,000 | 96,061,000 | 94,994,000 | 93,417,000 |
| Noninterest-bearing deposits | 7,740,000 | 6,921,000 | 7,273,000 | 7,108,000 |
| Equity capital | 10,524,000 | 9,431,000 | 8,932,000 | 8,746,000 |
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 | 1,394,000 | 2,752,000 | 4,071,000 | 5,300,000 |
| Interest expense | 293,000 | 571,000 | 835,000 | 1,117,000 |
| Net interest income | 1,101,000 | 2,181,000 | 3,236,000 | 4,183,000 |
| Noninterest income | 220,000 | 366,000 | 461,000 | 450,000 |
| Noninterest expense | 1,164,000 | 2,254,000 | 3,259,000 | 4,300,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 25,000 |
| Pretax income | 143,000 | 244,000 | -17,000 | -122,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 143,000 | 244,000 | -17,000 | -122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,038,000 | 11,020,000 | 10,595,000 | 10,426,000 |
| Total capital | 12,038,000 | 11,990,000 | 11,505,000 | 11,310,000 |
| Risk-weighted assets | 79,715,000 | 77,416,000 | 72,602,000 | 70,460,000 |