Call reports 2013
INEZ DEPOSIT BANK — 2013
What INEZ DEPOSIT 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 | 170,797,000 | 161,548,000 | 165,832,000 | 162,235,000 |
| Total loans | 58,400,000 | 58,098,000 | 57,585,000 | 56,647,000 |
| Allowance for loan losses | 929,000 | 912,000 | 898,000 | 886,000 |
| Securities available for sale | 73,097,000 | 77,355,000 | 77,629,000 | 75,571,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,018,000 | 144,334,000 | 148,834,000 | 146,326,000 |
| Interest-bearing deposits | 120,996,000 | 115,157,000 | 117,177,000 | 114,724,000 |
| Noninterest-bearing deposits | 30,023,000 | 29,177,000 | 31,657,000 | 31,601,000 |
| Equity capital | 18,626,000 | 16,838,000 | 16,542,000 | 15,498,000 |
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 | 1,412,000 | 2,797,000 | 4,189,000 | 5,557,000 |
| Interest expense | 326,000 | 626,000 | 908,000 | 1,183,000 |
| Net interest income | 1,086,000 | 2,171,000 | 3,281,000 | 4,374,000 |
| Noninterest income | 220,000 | 444,000 | 649,000 | 874,000 |
| Noninterest expense | 1,254,000 | 2,507,000 | 3,648,000 | 4,760,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 44,000 | 93,000 | 259,000 | 458,000 |
| Income tax | -8,000 | -8,000 | 8,000 | 51,000 |
| Net income | 52,000 | 101,000 | 251,000 | 407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,708,000 | 17,758,000 | 17,908,000 | 17,787,000 |
| Total capital | 18,542,000 | 18,589,000 | 18,745,000 | 18,610,000 |
| Risk-weighted assets | 66,645,000 | 66,406,000 | 66,743,000 | 65,731,000 |