Call reports 2013
COLCHESTER STATE BANK — 2013
What COLCHESTER 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 | 63,076,000 | 60,052,000 | 57,400,000 | 57,068,000 |
| Total loans | 25,172,000 | 25,818,000 | 26,034,000 | 26,531,000 |
| Allowance for loan losses | 432,000 | 449,000 | 481,000 | 483,000 |
| Securities available for sale | 30,366,000 | 27,857,000 | 27,359,000 | 26,471,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,037,000 | 52,363,000 | 49,617,000 | 49,222,000 |
| Interest-bearing deposits | 43,308,000 | 41,270,000 | 42,688,000 | 41,734,000 |
| Noninterest-bearing deposits | 11,729,000 | 11,093,000 | 6,929,000 | 7,488,000 |
| Equity capital | 7,437,000 | 7,255,000 | 7,408,000 | 7,515,000 |
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 | 476,000 | 977,000 | 1,499,000 | 2,037,000 |
| Interest expense | 85,000 | 167,000 | 247,000 | 322,000 |
| Net interest income | 391,000 | 810,000 | 1,252,000 | 1,715,000 |
| Noninterest income | 71,000 | 151,000 | 234,000 | 304,000 |
| Noninterest expense | 226,000 | 502,000 | 746,000 | 1,042,000 |
| Provision for loan losses | 22,000 | 29,000 | 57,000 | 114,000 |
| Pretax income | 214,000 | 430,000 | 683,000 | 863,000 |
| Income tax | 53,000 | 116,000 | 179,000 | 242,000 |
| Net income | 161,000 | 314,000 | 504,000 | 621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,790,000 | 6,943,000 | 7,133,000 | 7,249,000 |
| Total capital | 7,104,000 | 7,265,000 | 7,485,000 | 7,599,000 |
| Risk-weighted assets | 28,082,000 | 27,893,000 | 27,893,000 | 28,081,000 |