Call reports 2013
BREDA SAVINGS BANK — 2013
What BREDA 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 | 43,838,000 | 44,657,000 | 46,956,000 | 47,741,000 |
| Total loans | 19,643,000 | 20,932,000 | 21,489,000 | 22,089,000 |
| Allowance for loan losses | 433,000 | 433,000 | 434,000 | 435,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 21,950,000 | 22,244,000 | 23,112,000 | 23,690,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,852,000 | 29,386,000 | 30,733,000 | 30,723,000 |
| Interest-bearing deposits | 21,476,000 | 21,715,000 | 22,458,000 | 21,177,000 |
| Noninterest-bearing deposits | 9,376,000 | 7,671,000 | 8,275,000 | 9,545,000 |
| Equity capital | 7,310,000 | 7,455,000 | 7,671,000 | 7,029,000 |
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 | 485,000 | 951,000 | 1,472,000 | 1,899,000 |
| Interest expense | 32,000 | 62,000 | 95,000 | 125,000 |
| Net interest income | 453,000 | 889,000 | 1,377,000 | 1,774,000 |
| Noninterest income | 32,000 | 63,000 | 93,000 | 144,000 |
| Noninterest expense | 239,000 | 543,000 | 836,000 | 1,057,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 256,000 | 419,000 | 644,000 | 911,000 |
| Income tax | -30,000 | -12,000 | -3,000 | 6,000 |
| Net income | 286,000 | 431,000 | 647,000 | 905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,310,000 | 7,455,000 | 7,671,000 | 7,029,000 |
| Total capital | 7,622,000 | 7,783,000 | 8,005,000 | 7,376,000 |
| Risk-weighted assets | 24,833,000 | 26,173,000 | 26,912,000 | 27,669,000 |