Call reports 2013
FORWARD BANK — 2013
What FORWARD 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 | 319,348,000 | 322,133,000 | 317,456,000 | 325,774,000 |
| Total loans | 218,954,000 | 233,664,000 | 238,977,000 | 252,396,000 |
| Allowance for loan losses | 2,728,000 | 3,047,000 | 3,292,000 | 3,331,000 |
| Securities available for sale | 20,425,000 | 15,466,000 | 11,840,000 | 11,012,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,573,000 | 246,203,000 | 242,839,000 | 250,240,000 |
| Interest-bearing deposits | 186,818,000 | 184,466,000 | 181,003,000 | 182,014,000 |
| Noninterest-bearing deposits | 60,755,000 | 61,737,000 | 61,836,000 | 68,226,000 |
| Equity capital | 31,777,000 | 32,025,000 | 32,391,000 | 32,718,000 |
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 | 2,823,000 | 5,844,000 | 8,834,000 | 11,839,000 |
| Interest expense | 376,000 | 736,000 | 1,070,000 | 1,421,000 |
| Net interest income | 2,447,000 | 5,108,000 | 7,764,000 | 10,418,000 |
| Noninterest income | 1,634,000 | 2,385,000 | 3,183,000 | 4,095,000 |
| Noninterest expense | 3,365,000 | 5,985,000 | 8,622,000 | 11,278,000 |
| Provision for loan losses | 300,000 | 525,000 | 750,000 | 925,000 |
| Pretax income | 416,000 | 1,018,000 | 1,630,000 | 2,363,000 |
| Income tax | 125,000 | 322,000 | 525,000 | 779,000 |
| Net income | 291,000 | 696,000 | 1,105,000 | 1,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,153,000 | 25,632,000 | 26,113,000 | 26,619,000 |
| Total capital | 27,881,000 | 28,613,000 | 29,171,000 | 29,837,000 |
| Risk-weighted assets | 226,340,000 | 238,426,000 | 244,399,000 | 257,309,000 |
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