Call reports 2013
NECEDAH BANK, THE — 2013
What NECEDAH 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 | 31,833,000 | 32,870,000 | 34,113,000 | 31,748,000 |
| Total loans | 20,444,000 | 20,238,000 | 20,483,000 | 19,463,000 |
| Allowance for loan losses | 441,000 | 362,000 | 368,000 | 321,000 |
| Securities available for sale | 5,482,000 | 5,406,000 | 5,592,000 | 7,411,000 |
| Securities held to maturity | 0 | 0 | 0 | 783,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,778,000 | 26,755,000 | 28,082,000 | 25,568,000 |
| Interest-bearing deposits | 19,440,000 | 20,183,000 | 20,814,000 | 18,880,000 |
| Noninterest-bearing deposits | 6,338,000 | 6,572,000 | 7,268,000 | 6,688,000 |
| Equity capital | 3,893,000 | 3,971,000 | 3,886,000 | 3,906,000 |
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 | 274,000 | 549,000 | 844,000 | 1,118,000 |
| Interest expense | 49,000 | 98,000 | 143,000 | 186,000 |
| Net interest income | 225,000 | 451,000 | 701,000 | 932,000 |
| Noninterest income | 112,000 | 164,000 | 220,000 | 256,000 |
| Noninterest expense | 336,000 | 578,000 | 826,000 | 1,104,000 |
| Provision for loan losses | 0 | 17,000 | 110,000 | 110,000 |
| Pretax income | 1,000 | 20,000 | -15,000 | -26,000 |
| Income tax | 2,000 | -88,000 | -70,000 | -30,000 |
| Net income | -1,000 | 108,000 | 55,000 | 4,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,862,000 | 3,970,000 | 3,918,000 | 3,953,000 |
| Total capital | 4,235,000 | 4,332,000 | 4,286,000 | 4,235,000 |
| Risk-weighted assets | 29,792,000 | 30,254,000 | 30,112,000 | 22,584,000 |