Call reports 2013
BANK OF LUMBER CITY — 2013
What BANK OF LUMBER CITY 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 | 22,568,000 | 20,543,000 | 19,926,000 | 19,477,000 |
| Total loans | 10,334,000 | 9,431,000 | 9,254,000 | 9,797,000 |
| Allowance for loan losses | 85,000 | 142,000 | 170,000 | 193,000 |
| Securities available for sale | 7,453,000 | 6,908,000 | 6,778,000 | 6,659,000 |
| Securities held to maturity | 258,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,665,000 | 16,712,000 | 16,157,000 | 15,727,000 |
| Interest-bearing deposits | 13,958,000 | 12,983,000 | 12,655,000 | 11,605,000 |
| Noninterest-bearing deposits | 4,707,000 | 3,729,000 | 3,502,000 | 4,122,000 |
| Equity capital | 3,449,000 | 3,364,000 | 3,305,000 | 3,275,000 |
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 | 263,000 | 527,000 | 755,000 | 1,010,000 |
| Interest expense | 25,000 | 46,000 | 66,000 | 85,000 |
| Net interest income | 238,000 | 481,000 | 689,000 | 925,000 |
| Noninterest income | 89,000 | 198,000 | 290,000 | 369,000 |
| Noninterest expense | 270,000 | 509,000 | 759,000 | 1,085,000 |
| Provision for loan losses | 24,000 | 89,000 | 114,000 | 139,000 |
| Pretax income | 33,000 | 107,000 | 131,000 | 94,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 33,000 | 107,000 | 131,000 | 94,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,367,000 | 3,441,000 | 3,464,000 | 3,427,000 |
| Total capital | 3,452,000 | 3,583,000 | 3,623,000 | 3,595,000 |
| Risk-weighted assets | 13,674,000 | 12,615,000 | 12,714,000 | 13,430,000 |