Call reports 2013
TRADERS BANK — 2013
What TRADERS 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 | 157,111,000 | 152,846,000 | 157,569,000 | 153,570,000 |
| Total loans | 102,322,000 | 100,786,000 | 100,840,000 | 100,968,000 |
| Allowance for loan losses | 2,101,000 | 1,788,000 | 1,755,000 | 1,700,000 |
| Securities available for sale | 34,061,000 | 33,108,000 | 35,081,000 | 34,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,912,000 | 138,333,000 | 142,900,000 | 138,841,000 |
| Interest-bearing deposits | 111,134,000 | 107,346,000 | 107,894,000 | 107,725,000 |
| Noninterest-bearing deposits | 30,778,000 | 30,987,000 | 35,006,000 | 31,116,000 |
| Equity capital | 14,695,000 | 14,037,000 | 14,253,000 | 14,365,000 |
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 | 1,642,000 | 3,376,000 | 5,070,000 | 6,892,000 |
| Interest expense | 225,000 | 442,000 | 644,000 | 835,000 |
| Net interest income | 1,417,000 | 2,934,000 | 4,426,000 | 6,057,000 |
| Noninterest income | 350,000 | 695,000 | 1,061,000 | 1,342,000 |
| Noninterest expense | 1,262,000 | 2,497,000 | 3,791,000 | 5,158,000 |
| Provision for loan losses | 75,000 | 350,000 | 350,000 | 350,000 |
| Pretax income | 430,000 | 782,000 | 1,346,000 | 1,891,000 |
| Income tax | 30,000 | 50,000 | 75,000 | 121,000 |
| Net income | 400,000 | 732,000 | 1,271,000 | 1,770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,445,000 | 14,616,000 | 15,020,000 | 15,299,000 |
| Total capital | 15,700,000 | 15,844,000 | 16,275,000 | 16,532,000 |
| Risk-weighted assets | 99,555,000 | 97,684,000 | 99,848,000 | 98,197,000 |