Call reports 2013
BALTIMORE COUNTY SAVINGS BANK — 2013
What BALTIMORE COUNTY SAVINGS BANK 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 | 640,747,000 | 635,762,000 | 616,719,000 | 604,045,000 |
| Total loans | 319,912,000 | 319,780,000 | 327,547,000 | 324,118,000 |
| Allowance for loan losses | 3,582,000 | 3,434,000 | 3,411,000 | 3,479,000 |
| Securities available for sale | 238,926,000 | 238,756,000 | 224,705,000 | 217,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 567,037,000 | 565,757,000 | 547,754,000 | 534,821,000 |
| Interest-bearing deposits | 524,800,000 | 522,722,000 | 507,281,000 | 494,280,000 |
| Noninterest-bearing deposits | 42,237,000 | 43,035,000 | 40,473,000 | 40,541,000 |
| Equity capital | 67,712,000 | 63,886,000 | 62,677,000 | 63,255,000 |
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 | 6,112,000 | 12,037,000 | 17,884,000 | 23,615,000 |
| Interest expense | 1,204,000 | 2,331,000 | 3,424,000 | 4,449,000 |
| Net interest income | 4,908,000 | 9,706,000 | 14,460,000 | 19,166,000 |
| Noninterest income | 547,000 | 1,148,000 | 1,610,000 | 2,082,000 |
| Noninterest expense | 4,515,000 | 8,611,000 | 12,133,000 | 16,667,000 |
| Provision for loan losses | 450,000 | 600,000 | 600,000 | 600,000 |
| Pretax income | 592,000 | 1,770,000 | 3,491,000 | 4,140,000 |
| Income tax | 189,000 | 606,000 | 1,266,000 | 1,493,000 |
| Net income | 403,000 | 1,164,000 | 2,225,000 | 2,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,925,000 | 65,444,000 | 66,775,000 | 67,346,000 |
| Total capital | 69,507,000 | 68,878,000 | 70,186,000 | 70,825,000 |
| Risk-weighted assets | 364,794,000 | 365,885,000 | 377,048,000 | 372,853,000 |