Call reports 2013
DURAND STATE BANK — 2013
What DURAND 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 | 88,077,000 | 88,315,000 | 90,061,000 | 86,443,000 |
| Total loans | 40,189,000 | 41,122,000 | 45,083,000 | 46,366,000 |
| Allowance for loan losses | 583,000 | 589,000 | 596,000 | 568,000 |
| Securities available for sale | 35,620,000 | 34,883,000 | 34,902,000 | 32,108,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,270,000 | 79,455,000 | 78,995,000 | 77,807,000 |
| Interest-bearing deposits | 69,074,000 | 70,847,000 | 70,352,000 | 68,748,000 |
| Noninterest-bearing deposits | 9,197,000 | 8,609,000 | 8,642,000 | 9,060,000 |
| Equity capital | 9,231,000 | 8,515,000 | 8,512,000 | 8,270,000 |
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 | 772,000 | 1,555,000 | 2,339,000 | 3,187,000 |
| Interest expense | 100,000 | 192,000 | 282,000 | 370,000 |
| Net interest income | 672,000 | 1,363,000 | 2,057,000 | 2,817,000 |
| Noninterest income | 135,000 | 249,000 | 308,000 | 357,000 |
| Noninterest expense | 686,000 | 1,336,000 | 1,979,000 | 2,624,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 66,000 |
| Pretax income | 116,000 | 275,000 | 385,000 | 576,000 |
| Income tax | 9,000 | 21,000 | 34,000 | 23,000 |
| Net income | 107,000 | 254,000 | 351,000 | 553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,866,000 | 9,014,000 | 9,078,000 | 9,195,000 |
| Total capital | 9,449,000 | 9,603,000 | 9,674,000 | 9,763,000 |
| Risk-weighted assets | 55,600,000 | 56,738,000 | 59,694,000 | 59,436,000 |