Call reports 2013
SAUGUSBANK A CO-OPERATIVE BANK — 2013
What SAUGUSBANK A CO-OPERATIVE 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 | 208,835,000 | 210,515,000 | 207,815,000 | 206,232,000 |
| Total loans | 125,701,000 | 124,918,000 | 124,259,000 | 129,127,000 |
| Allowance for loan losses | 1,734,000 | 1,766,000 | 1,540,000 | 1,568,000 |
| Securities available for sale | 6,748,000 | 7,797,000 | 7,493,000 | 7,477,000 |
| Securities held to maturity | 40,293,000 | 39,960,000 | 38,787,000 | 38,994,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,267,000 | 172,974,000 | 170,095,000 | 169,734,000 |
| Interest-bearing deposits | 154,321,000 | 156,210,000 | 153,243,000 | 153,210,000 |
| Noninterest-bearing deposits | 16,946,000 | 16,764,000 | 16,852,000 | 16,524,000 |
| Equity capital | 17,973,000 | 18,100,000 | 18,237,000 | 18,380,000 |
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 | 1,859,000 | 3,692,000 | 5,461,000 | 7,205,000 |
| Interest expense | 419,000 | 822,000 | 1,217,000 | 1,590,000 |
| Net interest income | 1,440,000 | 2,870,000 | 4,244,000 | 5,615,000 |
| Noninterest income | 255,000 | 528,000 | 778,000 | 993,000 |
| Noninterest expense | 1,402,000 | 2,827,000 | 4,240,000 | 5,620,000 |
| Provision for loan losses | 44,000 | 76,000 | 100,000 | 128,000 |
| Pretax income | 251,000 | 525,000 | 712,000 | 894,000 |
| Income tax | 69,000 | 153,000 | 203,000 | 249,000 |
| Net income | 182,000 | 372,000 | 509,000 | 645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,282,000 | 17,515,000 | 17,652,000 | 17,768,000 |
| Total capital | 18,966,000 | 19,188,000 | 19,192,000 | 19,336,000 |
| Risk-weighted assets | 134,635,000 | 133,719,000 | 133,667,000 | 137,242,000 |