Call reports 2013
FIRST CAHAWBA BANK — 2013
What FIRST CAHAWBA 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 | 88,016,000 | 89,944,000 | 91,952,000 | 97,313,000 |
| Total loans | 56,905,000 | 57,548,000 | 58,088,000 | 58,807,000 |
| Allowance for loan losses | 647,000 | 616,000 | 626,000 | 600,000 |
| Securities available for sale | 14,780,000 | 17,020,000 | 17,710,000 | 17,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,335,000 | 74,378,000 | 76,251,000 | 81,287,000 |
| Interest-bearing deposits | 59,336,000 | 60,130,000 | 62,659,000 | 64,433,000 |
| Noninterest-bearing deposits | 12,999,000 | 14,248,000 | 13,592,000 | 16,854,000 |
| Equity capital | 10,527,000 | 10,282,000 | 10,315,000 | 10,771,000 |
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 | 822,000 | 1,691,000 | 2,579,000 | 3,481,000 |
| Interest expense | 85,000 | 168,000 | 248,000 | 327,000 |
| Net interest income | 737,000 | 1,523,000 | 2,331,000 | 3,154,000 |
| Noninterest income | 82,000 | 188,000 | 286,000 | 394,000 |
| Noninterest expense | 661,000 | 1,339,000 | 2,011,000 | 2,669,000 |
| Provision for loan losses | 0 | 0 | 13,000 | 139,000 |
| Pretax income | 181,000 | 395,000 | 616,000 | 771,000 |
| Income tax | 64,000 | 149,000 | 229,000 | -72,000 |
| Net income | 117,000 | 246,000 | 387,000 | 843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,563,000 | 10,692,000 | 10,832,000 | 11,288,000 |
| Total capital | 11,210,000 | 11,308,000 | 11,458,000 | 11,888,000 |
| Risk-weighted assets | 58,222,000 | 60,214,000 | 60,432,000 | 61,221,000 |