Call reports 2013
POLONIA BANK — 2013
What POLONIA 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 | 262,014,000 | 277,020,000 | 285,111,000 | 306,134,000 |
| Total loans | 151,483,000 | 178,079,000 | 197,581,000 | 206,094,000 |
| Allowance for loan losses | 1,499,000 | 1,066,000 | 1,303,000 | 1,378,000 |
| Securities available for sale | 15,492,000 | 14,680,000 | 14,189,000 | 15,271,000 |
| Securities held to maturity | 54,203,000 | 56,445,000 | 53,316,000 | 51,320,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,358,000 | 201,053,000 | 204,247,000 | 209,296,000 |
| Interest-bearing deposits | 195,092,000 | 194,614,000 | 197,922,000 | 203,571,000 |
| Noninterest-bearing deposits | 7,266,000 | 6,439,000 | 6,325,000 | 5,725,000 |
| Equity capital | 34,541,000 | 34,465,000 | 34,329,000 | 34,273,000 |
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 | 2,552,000 | 5,121,000 | 7,859,000 | 10,732,000 |
| Interest expense | 592,000 | 1,178,000 | 1,847,000 | 2,617,000 |
| Net interest income | 1,960,000 | 3,943,000 | 6,012,000 | 8,115,000 |
| Noninterest income | 1,229,000 | 2,746,000 | 4,037,000 | 5,279,000 |
| Noninterest expense | 3,188,000 | 6,581,000 | 9,846,000 | 13,087,000 |
| Provision for loan losses | 89,000 | 114,000 | 474,000 | 574,000 |
| Pretax income | -88,000 | -6,000 | -271,000 | -267,000 |
| Income tax | -32,000 | -7,000 | -99,000 | -100,000 |
| Net income | -56,000 | 1,000 | -172,000 | -167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,121,000 | 34,178,000 | 34,004,000 | 34,009,000 |
| Total capital | 35,620,000 | 35,244,000 | 35,307,000 | 35,387,000 |
| Risk-weighted assets | 127,007,000 | 138,374,000 | 147,679,000 | 157,534,000 |