Call reports 2013
FRIENDS BANK — 2013
What FRIENDS 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 | 109,709,000 | 107,184,000 | 102,349,000 | 100,788,000 |
| Total loans | 73,995,000 | 72,108,000 | 65,732,000 | 66,222,000 |
| Allowance for loan losses | 1,856,000 | 1,902,000 | 1,792,000 | 1,801,000 |
| Securities available for sale | 4,161,000 | 3,708,000 | 3,388,000 | 3,133,000 |
| Securities held to maturity | 0 | 1,016,000 | 975,000 | 931,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,433,000 | 102,222,000 | 97,409,000 | 96,275,000 |
| Interest-bearing deposits | 92,358,000 | 89,976,000 | 84,976,000 | 83,057,000 |
| Noninterest-bearing deposits | 12,075,000 | 12,246,000 | 12,433,000 | 13,218,000 |
| Equity capital | 5,063,000 | 4,687,000 | 4,648,000 | 4,366,000 |
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 | 1,048,000 | 2,009,000 | 2,950,000 | 3,661,000 |
| Interest expense | 210,000 | 400,000 | 578,000 | 734,000 |
| Net interest income | 838,000 | 1,609,000 | 2,372,000 | 2,927,000 |
| Noninterest income | 38,000 | -112,000 | 42,000 | 80,000 |
| Noninterest expense | 953,000 | 1,859,000 | 2,792,000 | 3,651,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -77,000 | -362,000 | -378,000 | -644,000 |
| Income tax | 10,000 | 21,000 | 31,000 | 32,000 |
| Net income | -87,000 | -383,000 | -409,000 | -676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,979,000 | 4,682,000 | 4,657,000 | 4,389,000 |
| Total capital | 5,929,000 | 5,614,000 | 5,504,000 | 5,227,000 |
| Risk-weighted assets | 75,100,000 | 73,613,000 | 66,793,000 | 66,113,000 |