Call reports 2013
RUTH STATE BANK — 2013
What RUTH STATE 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 | 34,584,000 | 34,091,000 | 32,894,000 | 38,659,000 |
| Total loans | 7,785,000 | 7,927,000 | 7,862,000 | 8,273,000 |
| Allowance for loan losses | 163,000 | 163,000 | 164,000 | 163,000 |
| Securities available for sale | 14,672,000 | 15,037,000 | 14,083,000 | 13,861,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,319,000 | 31,178,000 | 29,878,000 | 35,601,000 |
| Interest-bearing deposits | 25,086,000 | 25,641,000 | 24,768,000 | 26,098,000 |
| Noninterest-bearing deposits | 6,233,000 | 5,537,000 | 5,110,000 | 9,503,000 |
| Equity capital | 3,031,000 | 2,668,000 | 2,727,000 | 2,781,000 |
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 | 191,000 | 378,000 | 572,000 | 777,000 |
| Interest expense | 40,000 | 80,000 | 117,000 | 153,000 |
| Net interest income | 151,000 | 298,000 | 455,000 | 624,000 |
| Noninterest income | 16,000 | 34,000 | 51,000 | 85,000 |
| Noninterest expense | 151,000 | 319,000 | 471,000 | 626,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 16,000 | 13,000 | 43,000 | 91,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 16,000 | 13,000 | 43,000 | 91,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,925,000 | 2,921,000 | 2,951,000 | 2,999,000 |
| Total capital | 3,072,000 | 3,067,000 | 3,095,000 | 3,155,000 |
| Risk-weighted assets | 11,727,000 | 11,671,000 | 11,548,000 | 12,440,000 |
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