Call reports 2013
ERGO BANK — 2013
What ERGO 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 | 72,425,000 | 71,510,000 | 75,538,000 | 76,909,000 |
| Total loans | 35,881,000 | 37,163,000 | 37,258,000 | 36,894,000 |
| Allowance for loan losses | 1,138,000 | 1,076,000 | 980,000 | 1,049,000 |
| Securities available for sale | 28,762,000 | 28,184,000 | 28,735,000 | 30,497,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,974,000 | 59,472,000 | 63,591,000 | 65,042,000 |
| Interest-bearing deposits | 56,834,000 | 54,737,000 | 56,633,000 | 58,805,000 |
| Noninterest-bearing deposits | 4,140,000 | 4,735,000 | 6,959,000 | 6,236,000 |
| Equity capital | 10,646,000 | 10,001,000 | 10,015,000 | 10,087,000 |
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 | 719,000 | 1,481,000 | 2,319,000 | 3,060,000 |
| Interest expense | 80,000 | 153,000 | 223,000 | 291,000 |
| Net interest income | 639,000 | 1,328,000 | 2,096,000 | 2,769,000 |
| Noninterest income | 76,000 | 139,000 | 196,000 | 261,000 |
| Noninterest expense | 683,000 | 1,194,000 | 1,685,000 | 2,186,000 |
| Provision for loan losses | -86,000 | -170,000 | -155,000 | -63,000 |
| Pretax income | 118,000 | 443,000 | 762,000 | 907,000 |
| Income tax | 13,000 | 31,000 | 102,000 | 113,000 |
| Net income | 105,000 | 412,000 | 660,000 | 794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,849,000 | 9,448,000 | 9,647,000 | 9,734,000 |
| Total capital | 10,404,000 | 10,015,000 | 10,223,000 | 10,297,000 |
| Risk-weighted assets | 43,127,000 | 44,064,000 | 44,919,000 | 44,535,000 |