Call reports 2013
FREEDOM BANK OF SOUTHERN MISSOURI — 2013
What FREEDOM BANK OF SOUTHERN MISSOURI 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 | 175,168,000 | 187,778,000 | 191,184,000 | 191,895,000 |
| Total loans | 137,642,000 | 147,085,000 | 150,289,000 | 151,733,000 |
| Allowance for loan losses | 1,871,000 | 1,963,000 | 2,273,000 | 2,597,000 |
| Securities available for sale | 21,255,000 | 26,545,000 | 25,576,000 | 25,440,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,617,000 | 173,840,000 | 176,472,000 | 178,226,000 |
| Interest-bearing deposits | 148,819,000 | 160,380,000 | 162,625,000 | 163,003,000 |
| Noninterest-bearing deposits | 11,798,000 | 13,460,000 | 13,847,000 | 15,223,000 |
| Equity capital | 13,136,000 | 13,520,000 | 14,170,000 | 13,329,000 |
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 | 2,074,000 | 4,247,000 | 6,565,000 | 8,846,000 |
| Interest expense | 380,000 | 791,000 | 1,204,000 | 1,618,000 |
| Net interest income | 1,694,000 | 3,456,000 | 5,361,000 | 7,228,000 |
| Noninterest income | 171,000 | 504,000 | 816,000 | 954,000 |
| Noninterest expense | 1,007,000 | 2,197,000 | 3,485,000 | 4,782,000 |
| Provision for loan losses | 173,000 | 371,000 | 700,000 | 1,070,000 |
| Pretax income | 685,000 | 1,392,000 | 1,992,000 | 2,330,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 685,000 | 1,392,000 | 1,992,000 | 2,330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,938,000 | 14,408,000 | 14,953,000 | 14,342,000 |
| Total capital | 14,374,000 | 15,970,000 | 16,538,000 | 15,931,000 |
| Risk-weighted assets | 114,427,000 | 124,502,000 | 126,100,000 | 126,250,000 |