Call reports 2013
SAVINGS BANK, THE — 2013
What SAVINGS BANK, THE 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 | 463,127,000 | 456,110,000 | 459,878,000 | 461,636,000 |
| Total loans | 300,963,000 | 303,867,000 | 320,295,000 | 331,253,000 |
| Allowance for loan losses | 3,122,000 | 2,702,000 | 2,557,000 | 2,632,000 |
| Securities available for sale | 99,743,000 | 94,740,000 | 92,186,000 | 84,834,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 399,351,000 | 392,358,000 | 385,107,000 | 385,595,000 |
| Interest-bearing deposits | 337,105,000 | 332,146,000 | 320,125,000 | 320,861,000 |
| Noninterest-bearing deposits | 62,246,000 | 60,212,000 | 64,982,000 | 64,734,000 |
| Equity capital | 60,769,000 | 60,690,000 | 61,256,000 | 62,271,000 |
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 | 3,873,000 | 7,690,000 | 11,438,000 | 15,397,000 |
| Interest expense | 377,000 | 727,000 | 1,066,000 | 1,429,000 |
| Net interest income | 3,496,000 | 6,963,000 | 10,372,000 | 13,968,000 |
| Noninterest income | 1,328,000 | 2,715,000 | 4,079,000 | 5,405,000 |
| Noninterest expense | 4,272,000 | 8,581,000 | 12,957,000 | 17,427,000 |
| Provision for loan losses | 99,000 | -145,000 | -288,000 | -202,000 |
| Pretax income | 549,000 | 1,513,000 | 2,257,000 | 3,039,000 |
| Income tax | 154,000 | 467,000 | 667,000 | 806,000 |
| Net income | 395,000 | 1,046,000 | 1,590,000 | 2,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,102,000 | 52,574,000 | 53,117,000 | 53,759,000 |
| Total capital | 58,234,000 | 58,320,000 | 58,756,000 | 59,840,000 |
| Risk-weighted assets | 301,175,000 | 302,368,000 | 305,404,000 | 290,703,000 |