Call reports 2013
CARVER STATE BANK — 2013
What CARVER 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 | 42,622,000 | 42,887,000 | 40,790,000 | 40,298,000 |
| Total loans | 25,575,000 | 25,564,000 | 25,294,000 | 25,062,000 |
| Allowance for loan losses | 284,000 | 350,000 | 352,000 | 232,000 |
| Securities available for sale | 5,073,000 | 4,905,000 | 5,923,000 | 5,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,246,000 | 35,574,000 | 33,480,000 | 32,988,000 |
| Interest-bearing deposits | 30,195,000 | 31,079,000 | 29,413,000 | 28,583,000 |
| Noninterest-bearing deposits | 5,051,000 | 4,495,000 | 4,067,000 | 4,405,000 |
| Equity capital | 3,752,000 | 3,711,000 | 3,717,000 | 3,652,000 |
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 | 516,000 | 1,042,000 | 1,556,000 | 2,082,000 |
| Interest expense | 78,000 | 156,000 | 228,000 | 296,000 |
| Net interest income | 438,000 | 886,000 | 1,328,000 | 1,786,000 |
| Noninterest income | 74,000 | 192,000 | 306,000 | 750,000 |
| Noninterest expense | 503,000 | 995,000 | 1,559,000 | 2,360,000 |
| Provision for loan losses | 0 | 65,000 | 65,000 | 260,000 |
| Pretax income | 9,000 | 18,000 | 10,000 | -84,000 |
| Income tax | 0 | 0 | 0 | -25,000 |
| Net income | 9,000 | 18,000 | 10,000 | -59,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,757,000 | 3,766,000 | 3,758,000 | 3,690,000 |
| Total capital | 4,041,000 | 4,116,000 | 4,110,000 | 3,922,000 |
| Risk-weighted assets | 28,199,000 | 28,296,000 | 28,212,000 | 27,958,000 |