Call reports 2013
BANCROFT STATE BANK — 2013
What BANCROFT STATE 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 | 69,769,000 | 67,109,000 | 68,445,000 | 72,195,000 |
| Total loans | 47,423,000 | 46,377,000 | 46,007,000 | 44,464,000 |
| Allowance for loan losses | 667,000 | 685,000 | 686,000 | 674,000 |
| Securities available for sale | 10,495,000 | 12,757,000 | 12,530,000 | 12,323,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,628,000 | 61,285,000 | 62,495,000 | 66,274,000 |
| Interest-bearing deposits | 52,176,000 | 50,510,000 | 50,734,000 | 50,520,000 |
| Noninterest-bearing deposits | 11,452,000 | 10,774,000 | 11,761,000 | 15,754,000 |
| Equity capital | 6,062,000 | 5,748,000 | 5,878,000 | 5,855,000 |
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 | 676,000 | 1,364,000 | 2,031,000 | 2,706,000 |
| Interest expense | 98,000 | 189,000 | 274,000 | 356,000 |
| Net interest income | 578,000 | 1,175,000 | 1,757,000 | 2,350,000 |
| Noninterest income | -45,000 | -132,000 | -110,000 | -47,000 |
| Noninterest expense | 588,000 | 1,136,000 | 1,592,000 | 2,195,000 |
| Provision for loan losses | 127,000 | 193,000 | 223,000 | 243,000 |
| Pretax income | -182,000 | -286,000 | -168,000 | -135,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -182,000 | -286,000 | -168,000 | -135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,986,000 | 5,882,000 | 6,000,000 | 6,031,000 |
| Total capital | 6,562,000 | 6,438,000 | 6,565,000 | 6,583,000 |
| Risk-weighted assets | 46,011,000 | 44,323,000 | 45,055,000 | 44,009,000 |