Call reports 2013
PAPER CITY SAVINGS BANK, S.A. — 2013
What PAPER CITY SAVINGS BANK, S.A. 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 | 160,299,000 | 163,491,000 | 164,221,000 | 161,483,000 |
| Total loans | 123,230,000 | 125,286,000 | 127,483,000 | 127,378,000 |
| Allowance for loan losses | 628,000 | 667,000 | 676,000 | 680,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,700,000 | 5,474,000 | 6,222,000 | 6,456,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,597,000 | 146,534,000 | 147,039,000 | 143,994,000 |
| Interest-bearing deposits | 139,339,000 | 140,828,000 | 142,116,000 | 139,755,000 |
| Noninterest-bearing deposits | 4,258,000 | 5,706,000 | 4,923,000 | 4,239,000 |
| Equity capital | 16,138,000 | 16,380,000 | 16,609,000 | 16,877,000 |
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 | 1,401,000 | 2,783,000 | 4,181,000 | 5,567,000 |
| Interest expense | 313,000 | 616,000 | 909,000 | 1,185,000 |
| Net interest income | 1,088,000 | 2,167,000 | 3,272,000 | 4,382,000 |
| Noninterest income | 300,000 | 568,000 | 813,000 | 1,021,000 |
| Noninterest expense | 932,000 | 1,826,000 | 2,763,000 | 3,623,000 |
| Provision for loan losses | 27,000 | 77,000 | 110,000 | 125,000 |
| Pretax income | 429,000 | 832,000 | 1,212,000 | 1,655,000 |
| Income tax | 172,000 | 333,000 | 484,000 | 659,000 |
| Net income | 257,000 | 499,000 | 728,000 | 996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,096,000 | 16,338,000 | 16,567,000 | 16,835,000 |
| Total capital | 16,724,000 | 17,005,000 | 17,243,000 | 17,515,000 |
| Risk-weighted assets | 86,409,000 | 87,160,000 | 88,032,000 | 87,488,000 |