Call reports 2013
FOUNDATION ONE BANK — 2013
What FOUNDATION ONE 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 | 56,332,000 | 55,607,000 | 59,198,000 | 58,178,000 |
| Total loans | 44,906,000 | 47,493,000 | 48,272,000 | 46,438,000 |
| Allowance for loan losses | 450,000 | 466,000 | 477,000 | 478,000 |
| Securities available for sale | 5,320,000 | 5,268,000 | 5,294,000 | 6,374,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,550,000 | 44,707,000 | 48,222,000 | 47,013,000 |
| Interest-bearing deposits | 38,957,000 | 37,206,000 | 40,036,000 | 39,185,000 |
| Noninterest-bearing deposits | 7,593,000 | 7,500,000 | 8,187,000 | 7,828,000 |
| Equity capital | 6,125,000 | 6,164,000 | 6,256,000 | 6,357,000 |
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 | 560,000 | 1,141,000 | 1,718,000 | 2,284,000 |
| Interest expense | 102,000 | 199,000 | 301,000 | 403,000 |
| Net interest income | 458,000 | 942,000 | 1,417,000 | 1,881,000 |
| Noninterest income | 272,000 | 480,000 | 665,000 | 824,000 |
| Noninterest expense | 585,000 | 1,128,000 | 1,702,000 | 2,250,000 |
| Provision for loan losses | 41,000 | 57,000 | 68,000 | 68,000 |
| Pretax income | 104,000 | 237,000 | 312,000 | 387,000 |
| Income tax | 5,000 | 11,000 | 16,000 | 22,000 |
| Net income | 99,000 | 226,000 | 296,000 | 365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,453,000 | 5,586,000 | 5,662,000 | 5,777,000 |
| Total capital | 5,903,000 | 6,052,000 | 6,139,000 | 6,255,000 |
| Risk-weighted assets | 40,756,000 | 43,741,000 | 43,467,000 | 56,271,000 |
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