Call reports 2013
ST. HENRY BANK, THE — 2013
What ST. HENRY BANK, THE 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 | 257,321,000 | 254,001,000 | 253,833,000 | 255,222,000 |
| Total loans | 118,029,000 | 116,976,000 | 118,996,000 | 124,015,000 |
| Allowance for loan losses | 1,842,000 | 1,839,000 | 1,854,000 | 1,869,000 |
| Securities available for sale | 111,933,000 | 111,197,000 | 114,545,000 | 115,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,308,000 | 205,373,000 | 205,600,000 | 206,031,000 |
| Interest-bearing deposits | 173,310,000 | 168,627,000 | 168,149,000 | 163,606,000 |
| Noninterest-bearing deposits | 29,998,000 | 36,746,000 | 37,451,000 | 42,425,000 |
| Equity capital | 42,274,000 | 37,293,000 | 37,532,000 | 37,619,000 |
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 | 2,295,000 | 4,582,000 | 6,886,000 | 9,309,000 |
| Interest expense | 416,000 | 813,000 | 1,194,000 | 1,560,000 |
| Net interest income | 1,879,000 | 3,769,000 | 5,692,000 | 7,749,000 |
| Noninterest income | 458,000 | 759,000 | 975,000 | 1,202,000 |
| Noninterest expense | 763,000 | 1,574,000 | 2,362,000 | 3,178,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 1,557,000 | 2,918,000 | 4,273,000 | 5,661,000 |
| Income tax | 1,000 | -9,000 | -9,000 | -9,000 |
| Net income | 1,556,000 | 2,927,000 | 4,282,000 | 5,670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,610,000 | 37,785,000 | 37,979,000 | 39,367,000 |
| Total capital | 40,213,000 | 39,391,000 | 39,653,000 | 41,092,000 |
| Risk-weighted assets | 127,970,000 | 128,214,000 | 133,706,000 | 137,866,000 |