Call reports 2013
STATE-INVESTORS BANK — 2013
What STATE-INVESTORS 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 | 245,998,000 | 247,610,000 | 255,972,000 | 258,456,000 |
| Total loans | 177,783,000 | 185,140,000 | 195,256,000 | 200,615,000 |
| Allowance for loan losses | 1,356,000 | 1,306,000 | 1,156,000 | 1,351,000 |
| Securities available for sale | 43,892,000 | 42,661,000 | 39,718,000 | 37,948,000 |
| Securities held to maturity | 379,000 | 356,000 | 339,000 | 319,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,785,000 | 161,103,000 | 164,218,000 | 163,001,000 |
| Interest-bearing deposits | 148,209,000 | 147,523,000 | 150,803,000 | 150,284,000 |
| Noninterest-bearing deposits | 17,576,000 | 13,580,000 | 13,415,000 | 12,717,000 |
| Equity capital | 38,154,000 | 38,133,000 | 38,191,000 | 38,526,000 |
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 | 2,587,000 | 5,085,000 | 7,582,000 | 10,185,000 |
| Interest expense | 640,000 | 1,278,000 | 1,921,000 | 2,577,000 |
| Net interest income | 1,947,000 | 3,807,000 | 5,661,000 | 7,608,000 |
| Noninterest income | 24,000 | 11,000 | 40,000 | 21,000 |
| Noninterest expense | 1,559,000 | 3,072,000 | 4,563,000 | 6,059,000 |
| Provision for loan losses | 50,000 | 106,000 | 156,000 | 156,000 |
| Pretax income | 362,000 | 640,000 | 982,000 | 1,414,000 |
| Income tax | 127,000 | 224,000 | 344,000 | 503,000 |
| Net income | 235,000 | 416,000 | 638,000 | 911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,462,000 | 37,643,000 | 37,865,000 | 38,138,000 |
| Total capital | 38,818,000 | 38,949,000 | 39,021,000 | 39,489,000 |
| Risk-weighted assets | 134,517,000 | 140,414,000 | 146,414,000 | 151,185,000 |