Call reports 2013
SMALL BUSINESS BANK — 2013
What SMALL BUSINESS 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 | 96,833,000 | 101,083,000 | 103,519,000 | 102,555,000 |
| Total loans | 53,943,000 | 52,576,000 | 53,702,000 | 51,785,000 |
| Allowance for loan losses | 753,000 | 742,000 | 739,000 | 648,000 |
| Securities available for sale | 32,022,000 | 36,925,000 | 39,579,000 | 38,784,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,619,000 | 86,156,000 | 85,820,000 | 84,428,000 |
| Interest-bearing deposits | 63,011,000 | 63,357,000 | 64,351,000 | 58,725,000 |
| Noninterest-bearing deposits | 19,608,000 | 22,799,000 | 21,469,000 | 25,703,000 |
| Equity capital | 9,443,000 | 8,519,000 | 8,558,000 | 8,291,000 |
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 | 968,000 | 1,901,000 | 2,841,000 | 3,783,000 |
| Interest expense | 131,000 | 270,000 | 405,000 | 531,000 |
| Net interest income | 837,000 | 1,631,000 | 2,436,000 | 3,252,000 |
| Noninterest income | 178,000 | 364,000 | 442,000 | 544,000 |
| Noninterest expense | 800,000 | 1,590,000 | 2,404,000 | 3,179,000 |
| Provision for loan losses | 4,000 | 8,000 | 9,000 | 178,000 |
| Pretax income | 212,000 | 398,000 | 466,000 | 440,000 |
| Income tax | 72,000 | 133,000 | 151,000 | 147,000 |
| Net income | 140,000 | 265,000 | 315,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,256,000 | 9,351,000 | 9,328,000 | 9,296,000 |
| Total capital | 10,009,000 | 10,093,000 | 10,067,000 | 9,944,000 |
| Risk-weighted assets | 63,317,000 | 65,559,000 | 66,560,000 | 65,630,000 |