Call reports 2013
CMS BANK — 2013
What CMS 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 | 262,942,000 | 262,808,000 | 258,552,000 | 262,932,000 |
| Total loans | 211,485,000 | 210,338,000 | 209,255,000 | 213,528,000 |
| Allowance for loan losses | 821,000 | 830,000 | 923,000 | 646,000 |
| Securities available for sale | 43,359,000 | 41,220,000 | 40,420,000 | 39,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,616,000 | 218,410,000 | 214,225,000 | 219,066,000 |
| Interest-bearing deposits | 188,762,000 | 188,290,000 | 185,887,000 | 189,759,000 |
| Noninterest-bearing deposits | 29,855,000 | 30,120,000 | 28,338,000 | 29,307,000 |
| Equity capital | 19,863,000 | 20,684,000 | 20,318,000 | 20,406,000 |
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 | 2,842,000 | 5,678,000 | 8,503,000 | 11,287,000 |
| Interest expense | 562,000 | 1,119,000 | 1,670,000 | 2,216,000 |
| Net interest income | 2,280,000 | 4,559,000 | 6,833,000 | 9,071,000 |
| Noninterest income | 82,000 | 180,000 | 256,000 | 340,000 |
| Noninterest expense | 1,863,000 | 3,728,000 | 5,711,000 | 7,530,000 |
| Provision for loan losses | 213,000 | 238,000 | 288,000 | 388,000 |
| Pretax income | 286,000 | 773,000 | 1,090,000 | 1,493,000 |
| Income tax | 107,000 | 302,000 | 425,000 | 583,000 |
| Net income | 179,000 | 471,000 | 665,000 | 910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,943,000 | 21,722,000 | 21,946,000 | 22,224,000 |
| Total capital | 20,764,000 | 22,552,000 | 22,869,000 | 22,870,000 |
| Risk-weighted assets | 175,762,000 | 176,960,000 | 177,198,000 | 179,363,000 |