Call reports 2013
FIRST STATE BANK IN TUSCOLA — 2013
What FIRST STATE BANK IN TUSCOLA 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 | 21,819,000 | 22,163,000 | 21,841,000 | 22,282,000 |
| Total loans | 6,547,000 | 6,966,000 | 7,388,000 | 7,258,000 |
| Allowance for loan losses | 113,000 | 113,000 | 115,000 | 107,000 |
| Securities available for sale | 3,966,000 | 3,925,000 | 3,558,000 | 3,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,378,000 | 19,987,000 | 19,667,000 | 20,114,000 |
| Interest-bearing deposits | 13,511,000 | 14,617,000 | 14,411,000 | 14,130,000 |
| Noninterest-bearing deposits | 5,867,000 | 5,370,000 | 5,256,000 | 5,984,000 |
| Equity capital | 2,057,000 | 2,092,000 | 2,087,000 | 2,017,000 |
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 | 155,000 | 314,000 | 477,000 | 630,000 |
| Interest expense | 8,000 | 15,000 | 22,000 | 28,000 |
| Net interest income | 147,000 | 299,000 | 455,000 | 602,000 |
| Noninterest income | 46,000 | 88,000 | 130,000 | 161,000 |
| Noninterest expense | 175,000 | 320,000 | 503,000 | 786,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 18,000 | 67,000 | 99,000 | -7,000 |
| Income tax | 0 | 0 | 5,000 | -2,000 |
| Net income | 18,000 | 67,000 | 94,000 | -5,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,911,000 | 1,960,000 | 1,987,000 | 1,888,000 |
| Total capital | 2,024,000 | 2,073,000 | 2,102,000 | 1,995,000 |
| Risk-weighted assets | 9,889,000 | 10,369,000 | 10,537,000 | 10,502,000 |