Call reports 2013
FORD COUNTY STATE BANK — 2013
What FORD COUNTY 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 | 37,460,000 | 35,532,000 | 34,723,000 | 44,307,000 |
| Total loans | 19,096,000 | 18,010,000 | 18,389,000 | 19,696,000 |
| Allowance for loan losses | 362,000 | 343,000 | 351,000 | 353,000 |
| Securities available for sale | 5,246,000 | 5,013,000 | 8,976,000 | 9,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,576,000 | 30,653,000 | 29,898,000 | 39,447,000 |
| Interest-bearing deposits | 28,478,000 | 26,692,000 | 25,894,000 | 35,342,000 |
| Noninterest-bearing deposits | 4,098,000 | 3,961,000 | 4,004,000 | 4,105,000 |
| Equity capital | 4,591,000 | 4,611,000 | 4,597,000 | 4,637,000 |
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 | 308,000 | 601,000 | 899,000 | 1,208,000 |
| Interest expense | 29,000 | 55,000 | 78,000 | 100,000 |
| Net interest income | 279,000 | 546,000 | 821,000 | 1,108,000 |
| Noninterest income | 19,000 | 35,000 | 51,000 | 68,000 |
| Noninterest expense | 244,000 | 415,000 | 626,000 | 851,000 |
| Provision for loan losses | 2,000 | 8,000 | 14,000 | 14,000 |
| Pretax income | 52,000 | 158,000 | 232,000 | 311,000 |
| Income tax | 0 | 39,000 | 57,000 | 77,000 |
| Net income | 52,000 | 119,000 | 175,000 | 234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,399,000 | 4,466,000 | 4,522,000 | 4,582,000 |
| Total capital | 4,689,000 | 4,743,000 | 4,804,000 | 4,903,000 |
| Risk-weighted assets | 23,149,000 | 22,133,000 | 22,521,000 | 25,654,000 |