Call reports 2013
CBL STATE SAVINGS BANK — 2013
What CBL STATE SAVINGS 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 | 120,022,000 | 119,943,000 | 121,376,000 | 122,256,000 |
| Total loans | 75,597,000 | 76,043,000 | 76,296,000 | 79,226,000 |
| Allowance for loan losses | 1,143,000 | 1,119,000 | 1,120,000 | 1,103,000 |
| Securities available for sale | 16,743,000 | 17,356,000 | 20,131,000 | 19,080,000 |
| Securities held to maturity | 13,255,000 | 12,315,000 | 11,619,000 | 10,590,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,520,000 | 93,953,000 | 94,049,000 | 93,674,000 |
| Interest-bearing deposits | 94,520,000 | 93,923,000 | 94,037,000 | 93,655,000 |
| Noninterest-bearing deposits | 0 | 30,000 | 12,000 | 19,000 |
| Equity capital | 23,182,000 | 23,406,000 | 23,593,000 | 23,809,000 |
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 | 1,306,000 | 2,561,000 | 3,735,000 | 4,975,000 |
| Interest expense | 282,000 | 539,000 | 780,000 | 1,005,000 |
| Net interest income | 1,024,000 | 2,022,000 | 2,955,000 | 3,970,000 |
| Noninterest income | 284,000 | 345,000 | 368,000 | 415,000 |
| Noninterest expense | 575,000 | 1,124,000 | 1,684,000 | 2,334,000 |
| Provision for loan losses | 228,000 | 232,000 | 232,000 | 232,000 |
| Pretax income | 505,000 | 1,011,000 | 1,407,000 | 1,802,000 |
| Income tax | 185,000 | 370,000 | 515,000 | 660,000 |
| Net income | 320,000 | 641,000 | 892,000 | 1,142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,180,000 | 23,501,000 | 23,751,000 | 24,002,000 |
| Total capital | 23,933,000 | 24,235,000 | 24,489,000 | 24,760,000 |
| Risk-weighted assets | 59,199,000 | 58,390,000 | 58,712,000 | 60,390,000 |