Call reports 2013
STATE BANK OF PEARL CITY, THE — 2013
What STATE BANK OF PEARL CITY, 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 | 49,276,000 | 48,407,000 | 46,854,000 | 46,240,000 |
| Total loans | 22,961,000 | 23,787,000 | 24,175,000 | 24,205,000 |
| Allowance for loan losses | 236,000 | 229,000 | 234,000 | 236,000 |
| Securities available for sale | 17,836,000 | 17,983,000 | 16,613,000 | 16,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,003,000 | 43,667,000 | 42,540,000 | 41,929,000 |
| Interest-bearing deposits | 38,533,000 | 37,571,000 | 36,814,000 | 36,049,000 |
| Noninterest-bearing deposits | 5,470,000 | 6,096,000 | 5,726,000 | 5,880,000 |
| Equity capital | 5,152,000 | 4,624,000 | 4,150,000 | 4,068,000 |
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 | 510,000 | 1,032,000 | 1,557,000 | 2,092,000 |
| Interest expense | 77,000 | 147,000 | 211,000 | 271,000 |
| Net interest income | 433,000 | 885,000 | 1,346,000 | 1,821,000 |
| Noninterest income | 8,000 | 96,000 | 19,000 | 26,000 |
| Noninterest expense | 277,000 | 722,000 | 1,041,000 | 1,419,000 |
| Provision for loan losses | 16,000 | 31,000 | 46,000 | 87,000 |
| Pretax income | 148,000 | 228,000 | 284,000 | 347,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 148,000 | 228,000 | 284,000 | 347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,895,000 | 4,930,000 | 4,938,000 | 4,953,000 |
| Total capital | 5,131,000 | 5,159,000 | 5,173,000 | 5,189,000 |
| Risk-weighted assets | 30,990,000 | 32,649,000 | 32,743,000 | 32,583,000 |