Call reports 2013
STATE BANK OF FAIRMONT — 2013
What STATE BANK OF FAIRMONT 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 | 100,486,000 | 100,267,000 | 102,445,000 | 103,726,000 |
| Total loans | 71,516,000 | 72,515,000 | 75,975,000 | 78,370,000 |
| Allowance for loan losses | 1,291,000 | 1,332,000 | 1,392,000 | 1,309,000 |
| Securities available for sale | 21,421,000 | 23,197,000 | 22,369,000 | 21,623,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,624,000 | 83,178,000 | 84,363,000 | 84,766,000 |
| Interest-bearing deposits | 75,868,000 | 73,914,000 | 73,315,000 | 74,686,000 |
| Noninterest-bearing deposits | 9,756,000 | 9,264,000 | 11,048,000 | 10,080,000 |
| Equity capital | 11,611,000 | 10,829,000 | 11,062,000 | 10,663,000 |
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 | 1,073,000 | 2,162,000 | 3,296,000 | 4,439,000 |
| Interest expense | 170,000 | 322,000 | 469,000 | 615,000 |
| Net interest income | 903,000 | 1,840,000 | 2,827,000 | 3,824,000 |
| Noninterest income | 26,000 | 75,000 | 132,000 | 200,000 |
| Noninterest expense | 465,000 | 959,000 | 1,457,000 | 2,374,000 |
| Provision for loan losses | 30,000 | 70,000 | 130,000 | 190,000 |
| Pretax income | 434,000 | 886,000 | 1,372,000 | 1,460,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 433,000 | 885,000 | 1,371,000 | 1,459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,216,000 | 11,094,000 | 11,387,000 | 11,275,000 |
| Total capital | 12,224,000 | 12,106,000 | 12,440,000 | 12,362,000 |
| Risk-weighted assets | 80,385,000 | 80,677,000 | 83,933,000 | 86,726,000 |
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