Call reports 2013
NEW BUFFALO SAVINGS BANK — 2013
What NEW BUFFALO SAVINGS 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 | 92,326,000 | 105,023,000 | 100,161,000 | 94,319,000 |
| Total loans | 60,270,000 | 59,403,000 | 58,212,000 | 57,949,000 |
| Allowance for loan losses | 2,139,000 | 1,858,000 | 1,664,000 | 1,374,000 |
| Securities available for sale | 0 | 763,000 | 734,000 | 708,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,101,000 | 81,110,000 | 80,210,000 | 76,098,000 |
| Interest-bearing deposits | 67,423,000 | 74,165,000 | 73,101,000 | 70,752,000 |
| Noninterest-bearing deposits | 4,678,000 | 6,945,000 | 7,109,000 | 5,346,000 |
| Equity capital | 13,161,000 | 13,077,000 | 13,027,000 | 12,412,000 |
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 | 831,000 | 1,591,000 | 2,352,000 | 3,094,000 |
| Interest expense | 189,000 | 373,000 | 552,000 | 725,000 |
| Net interest income | 642,000 | 1,218,000 | 1,800,000 | 2,369,000 |
| Noninterest income | 182,000 | 392,000 | 544,000 | 723,000 |
| Noninterest expense | 782,000 | 1,604,000 | 2,369,000 | 3,506,000 |
| Provision for loan losses | 0 | 0 | 0 | 280,000 |
| Pretax income | 42,000 | 6,000 | -25,000 | -694,000 |
| Income tax | 10,000 | 20,000 | 30,000 | -9,000 |
| Net income | 32,000 | -14,000 | -55,000 | -685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,131,000 | 13,085,000 | 13,044,000 | 12,413,000 |
| Total capital | 13,917,000 | 13,903,000 | 13,837,000 | 13,174,000 |
| Risk-weighted assets | 61,539,000 | 64,436,000 | 62,554,000 | 60,286,000 |