Call reports 2013
LEADERS BANK, THE — 2013
What LEADERS BANK, THE 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 | 365,251,000 | 354,764,000 | 358,932,000 | 348,476,000 |
| Total loans | 303,355,000 | 298,595,000 | 297,733,000 | 297,631,000 |
| Allowance for loan losses | 16,307,000 | 16,647,000 | 15,715,000 | 14,546,000 |
| Securities available for sale | 36,624,000 | 33,748,000 | 35,211,000 | 33,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,487,000 | 320,406,000 | 324,204,000 | 313,606,000 |
| Interest-bearing deposits | 286,385,000 | 276,858,000 | 277,757,000 | 266,374,000 |
| Noninterest-bearing deposits | 43,102,000 | 43,548,000 | 46,447,000 | 47,232,000 |
| Equity capital | 27,500,000 | 27,189,000 | 27,490,000 | 27,340,000 |
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 | 3,557,000 | 7,159,000 | 10,675,000 | 14,295,000 |
| Interest expense | 685,000 | 1,353,000 | 1,983,000 | 2,564,000 |
| Net interest income | 2,872,000 | 5,806,000 | 8,692,000 | 11,731,000 |
| Noninterest income | 212,000 | 463,000 | 279,000 | 16,000 |
| Noninterest expense | 2,470,000 | 5,047,000 | 7,539,000 | 10,293,000 |
| Provision for loan losses | 600,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Pretax income | 296,000 | 504,000 | 714,000 | 736,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 296,000 | 504,000 | 714,000 | 736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,895,000 | 27,102,000 | 27,313,000 | 27,334,000 |
| Total capital | 30,923,000 | 31,025,000 | 31,221,000 | 31,193,000 |
| Risk-weighted assets | 310,012,000 | 301,150,000 | 300,861,000 | 298,012,000 |