Call reports 2013
FREEDOM BANK, INC. — 2013
What FREEDOM BANK, INC. 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 | 151,289,000 | 148,667,000 | 150,339,000 | 145,446,000 |
| Total loans | 95,384,000 | 94,775,000 | 94,343,000 | 94,071,000 |
| Allowance for loan losses | 2,747,000 | 2,969,000 | 3,155,000 | 3,218,000 |
| Securities available for sale | 15,713,000 | 20,833,000 | 19,863,000 | 19,431,000 |
| Securities held to maturity | 19,000 | 16,000 | 12,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,250,000 | 133,581,000 | 135,328,000 | 130,018,000 |
| Interest-bearing deposits | 101,628,000 | 99,602,000 | 98,342,000 | 98,024,000 |
| Noninterest-bearing deposits | 34,622,000 | 33,979,000 | 36,986,000 | 31,994,000 |
| Equity capital | 13,717,000 | 13,739,000 | 13,775,000 | 14,284,000 |
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 | 1,468,000 | 2,934,000 | 4,364,000 | 5,738,000 |
| Interest expense | 176,000 | 343,000 | 502,000 | 657,000 |
| Net interest income | 1,292,000 | 2,591,000 | 3,862,000 | 5,081,000 |
| Noninterest income | 274,000 | 772,000 | 1,061,000 | 1,329,000 |
| Noninterest expense | 1,110,000 | 2,267,000 | 3,418,000 | 4,450,000 |
| Provision for loan losses | 201,000 | 532,000 | 733,000 | 800,000 |
| Pretax income | 255,000 | 564,000 | 772,000 | 1,160,000 |
| Income tax | 78,000 | 157,000 | 264,000 | 180,000 |
| Net income | 177,000 | 407,000 | 508,000 | 980,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,764,000 | 12,994,000 | 13,130,000 | 13,653,000 |
| Total capital | 13,941,000 | 14,162,000 | 14,274,000 | 14,795,000 |
| Risk-weighted assets | 92,465,000 | 91,519,000 | 89,404,000 | 89,247,000 |
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