Call reports 2013
FBT BANK & MORTGAGE — 2013
What FBT BANK & MORTGAGE 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 | 122,147,000 | 131,620,000 | 130,453,000 | 128,183,000 |
| Total loans | 57,833,000 | 63,136,000 | 64,609,000 | 67,323,000 |
| Allowance for loan losses | 1,405,000 | 1,399,000 | 1,373,000 | 1,312,000 |
| Securities available for sale | 49,572,000 | 51,229,000 | 46,949,000 | 42,609,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,656,000 | 103,632,000 | 103,876,000 | 105,180,000 |
| Interest-bearing deposits | 77,798,000 | 77,629,000 | 79,573,000 | 83,207,000 |
| Noninterest-bearing deposits | 21,858,000 | 26,003,000 | 24,303,000 | 21,973,000 |
| Equity capital | 14,412,000 | 12,611,000 | 12,774,000 | 10,836,000 |
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 | 1,328,000 | 2,746,000 | 4,213,000 | 5,682,000 |
| Interest expense | 193,000 | 356,000 | 519,000 | 677,000 |
| Net interest income | 1,135,000 | 2,390,000 | 3,694,000 | 5,005,000 |
| Noninterest income | 276,000 | 585,000 | 873,000 | 1,205,000 |
| Noninterest expense | 913,000 | 1,997,000 | 3,087,000 | 4,954,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 563,000 | 1,141,000 | 1,645,000 | 1,390,000 |
| Income tax | 168,000 | 334,000 | 492,000 | 515,000 |
| Net income | 395,000 | 807,000 | 1,153,000 | 875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,891,000 | 14,305,000 | 14,649,000 | 14,064,000 |
| Total capital | 14,727,000 | 15,214,000 | 15,570,000 | 14,988,000 |
| Risk-weighted assets | 66,317,000 | 72,250,000 | 73,216,000 | 73,518,000 |