Call reports 2013
BANK OF GASSAWAY — 2013
What BANK OF GASSAWAY 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 | 172,058,000 | 170,120,000 | 164,923,000 | 171,836,000 |
| Total loans | 96,090,000 | 98,212,000 | 98,196,000 | 98,038,000 |
| Allowance for loan losses | 1,410,000 | 1,427,000 | 1,477,000 | 1,401,000 |
| Securities available for sale | 49,848,000 | 47,815,000 | 47,195,000 | 40,854,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,933,000 | 152,325,000 | 147,039,000 | 153,731,000 |
| Interest-bearing deposits | 110,843,000 | 111,185,000 | 107,351,000 | 109,228,000 |
| Noninterest-bearing deposits | 43,090,000 | 41,140,000 | 39,688,000 | 44,503,000 |
| Equity capital | 17,101,000 | 16,995,000 | 17,136,000 | 17,398,000 |
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 | 1,777,000 | 3,568,000 | 5,332,000 | 7,073,000 |
| Interest expense | 236,000 | 459,000 | 677,000 | 887,000 |
| Net interest income | 1,541,000 | 3,109,000 | 4,655,000 | 6,186,000 |
| Noninterest income | 343,000 | 577,000 | 873,000 | 1,171,000 |
| Noninterest expense | 1,382,000 | 2,801,000 | 4,264,000 | 5,724,000 |
| Provision for loan losses | 60,000 | 120,000 | 170,000 | 180,000 |
| Pretax income | 425,000 | 736,000 | 1,094,000 | 1,453,000 |
| Income tax | 153,000 | 239,000 | 379,000 | 454,000 |
| Net income | 272,000 | 497,000 | 715,000 | 999,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,365,000 | 16,589,000 | 16,808,000 | 17,093,000 |
| Total capital | 17,473,000 | 17,696,000 | 17,905,000 | 18,196,000 |
| Risk-weighted assets | 88,328,000 | 88,265,000 | 87,370,000 | 87,926,000 |