Call reports 2013
ACB BANK — 2013
What ACB 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 | 75,981,000 | 80,386,000 | 79,404,000 | 81,564,000 |
| Total loans | 53,260,000 | 56,765,000 | 56,630,000 | 58,749,000 |
| Allowance for loan losses | 1,026,000 | 1,132,000 | 1,148,000 | 1,113,000 |
| Securities available for sale | 15,364,000 | 16,414,000 | 15,563,000 | 15,256,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,176,000 | 66,984,000 | 68,627,000 | 68,281,000 |
| Interest-bearing deposits | 51,154,000 | 50,021,000 | 49,422,000 | 48,252,000 |
| Noninterest-bearing deposits | 15,022,000 | 16,963,000 | 19,205,000 | 20,029,000 |
| Equity capital | 7,031,000 | 6,551,000 | 6,805,000 | 7,064,000 |
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 | 929,000 | 1,923,000 | 2,937,000 | 3,971,000 |
| Interest expense | 88,000 | 179,000 | 270,000 | 352,000 |
| Net interest income | 841,000 | 1,744,000 | 2,667,000 | 3,619,000 |
| Noninterest income | 109,000 | 221,000 | 331,000 | 443,000 |
| Noninterest expense | 456,000 | 940,000 | 1,433,000 | 2,043,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 464,000 | 1,031,000 | 1,542,000 | 1,971,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 464,000 | 1,031,000 | 1,542,000 | 1,971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,898,000 | 6,936,000 | 7,299,000 | 7,573,000 |
| Total capital | 7,603,000 | 7,688,000 | 8,046,000 | 8,344,000 |
| Risk-weighted assets | 56,087,000 | 59,843,000 | 59,333,000 | 61,350,000 |