Call reports 2013
DEFIANCE STATE BANK — 2013
What DEFIANCE STATE 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 | 27,756,000 | 27,464,000 | 28,009,000 | 32,077,000 |
| Total loans | 14,217,000 | 13,977,000 | 14,393,000 | 16,135,000 |
| Allowance for loan losses | 204,000 | 189,000 | 178,000 | 188,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,235,000 | 24,418,000 | 24,013,000 | 25,036,000 |
| Interest-bearing deposits | 21,345,000 | 20,587,000 | 21,389,000 | 21,904,000 |
| Noninterest-bearing deposits | 3,890,000 | 3,831,000 | 2,624,000 | 3,132,000 |
| Equity capital | 2,500,000 | 2,465,000 | 2,510,000 | 2,451,000 |
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 | 241,000 | 474,000 | 711,000 | 957,000 |
| Interest expense | 18,000 | 32,000 | 50,000 | 67,000 |
| Net interest income | 223,000 | 442,000 | 661,000 | 890,000 |
| Noninterest income | 20,000 | 38,000 | 57,000 | 75,000 |
| Noninterest expense | 190,000 | 362,000 | 552,000 | 846,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 53,000 | 118,000 | 166,000 | 109,000 |
| Income tax | 0 | 0 | 3,000 | 5,000 |
| Net income | 53,000 | 118,000 | 163,000 | 104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,500,000 | 2,465,000 | 2,510,000 | 2,451,000 |
| Total capital | 2,700,000 | 2,654,000 | 2,688,000 | 2,639,000 |
| Risk-weighted assets | 15,968,000 | 15,722,000 | 16,113,000 | 18,458,000 |