Call reports 2013
DECATUR STATE BANK — 2013
What DECATUR 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 | 115,552,000 | 111,252,000 | 123,484,000 | 123,384,000 |
| Total loans | 68,593,000 | 66,529,000 | 89,192,000 | 86,181,000 |
| Allowance for loan losses | 949,000 | 1,040,000 | 1,627,000 | 1,624,000 |
| Securities available for sale | 7,130,000 | 7,010,000 | 6,987,000 | 5,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,387,000 | 101,845,000 | 110,877,000 | 110,205,000 |
| Interest-bearing deposits | 96,171,000 | 91,939,000 | 89,875,000 | 89,962,000 |
| Noninterest-bearing deposits | 8,216,000 | 9,906,000 | 21,002,000 | 20,243,000 |
| Equity capital | 3,700,000 | 9,008,000 | 12,265,000 | 12,971,000 |
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 | 1,504,000 | 2,872,000 | 4,366,000 | 6,178,000 |
| Interest expense | 186,000 | 362,000 | 523,000 | 677,000 |
| Net interest income | 1,318,000 | 2,510,000 | 3,843,000 | 5,501,000 |
| Noninterest income | 24,000 | -23,000 | 224,000 | 402,000 |
| Noninterest expense | 1,344,000 | 2,486,000 | 3,650,000 | 4,670,000 |
| Provision for loan losses | 1,175,000 | 1,277,000 | 1,871,000 | 1,936,000 |
| Pretax income | -1,162,000 | -1,261,000 | -1,439,000 | -697,000 |
| Income tax | -313,000 | -797,000 | -742,000 | -708,000 |
| Net income | -849,000 | -464,000 | -697,000 | 11,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,480,000 | 8,877,000 | 12,155,000 | 12,869,000 |
| Total capital | 4,429,000 | 9,819,000 | 13,352,000 | 14,030,000 |
| Risk-weighted assets | 78,843,000 | 75,301,000 | 95,295,000 | 92,395,000 |