Call reports 2013
BANK OF ST. FRANCISVILLE — 2013
What BANK OF ST. FRANCISVILLE 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 | 103,149,000 | 103,471,000 | 104,409,000 | 106,986,000 |
| Total loans | 72,397,000 | 71,135,000 | 71,032,000 | 71,185,000 |
| Allowance for loan losses | 1,137,000 | 1,178,000 | 1,175,000 | 967,000 |
| Securities available for sale | 17,080,000 | 20,613,000 | 20,031,000 | 19,515,000 |
| Securities held to maturity | 249,000 | 249,000 | 249,000 | 249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,597,000 | 90,422,000 | 88,358,000 | 92,904,000 |
| Interest-bearing deposits | 63,419,000 | 62,838,000 | 61,475,000 | 65,363,000 |
| Noninterest-bearing deposits | 26,178,000 | 27,584,000 | 26,883,000 | 27,541,000 |
| Equity capital | 10,371,000 | 9,712,000 | 9,761,000 | 10,098,000 |
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 | 1,290,000 | 2,584,000 | 3,936,000 | 5,243,000 |
| Interest expense | 69,000 | 133,000 | 194,000 | 255,000 |
| Net interest income | 1,221,000 | 2,451,000 | 3,742,000 | 4,988,000 |
| Noninterest income | 208,000 | 462,000 | 720,000 | 964,000 |
| Noninterest expense | 1,074,000 | 2,173,000 | 3,379,000 | 4,434,000 |
| Provision for loan losses | 78,000 | 156,000 | 235,000 | 237,000 |
| Pretax income | 277,000 | 584,000 | 848,000 | 1,281,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 277,000 | 584,000 | 848,000 | 1,281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,306,000 | 10,284,000 | 10,368,000 | 10,801,000 |
| Total capital | 11,311,000 | 11,277,000 | 11,361,000 | 11,744,000 |
| Risk-weighted assets | 80,291,000 | 79,219,000 | 79,242,000 | 75,407,000 |