Call reports 2013
CUSTER FEDERAL STATE BANK — 2013
What CUSTER FEDERAL 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 | 79,896,000 | 85,570,000 | 89,621,000 | 93,418,000 |
| Total loans | 57,579,000 | 64,948,000 | 70,021,000 | 73,579,000 |
| Allowance for loan losses | 502,000 | 524,000 | 580,000 | 628,000 |
| Securities available for sale | 2,706,000 | 1,456,000 | 2,321,000 | 2,276,000 |
| Securities held to maturity | 16,389,000 | 15,349,000 | 14,306,000 | 13,626,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,788,000 | 70,816,000 | 72,981,000 | 74,765,000 |
| Interest-bearing deposits | 65,238,000 | 68,326,000 | 69,953,000 | 71,247,000 |
| Noninterest-bearing deposits | 2,550,000 | 2,490,000 | 3,028,000 | 3,518,000 |
| Equity capital | 7,138,000 | 7,982,000 | 8,151,000 | 8,338,000 |
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 | 826,000 | 1,704,000 | 2,659,000 | 3,659,000 |
| Interest expense | 184,000 | 364,000 | 557,000 | 767,000 |
| Net interest income | 642,000 | 1,340,000 | 2,102,000 | 2,892,000 |
| Noninterest income | 30,000 | 64,000 | 102,000 | 137,000 |
| Noninterest expense | 435,000 | 881,000 | 1,343,000 | 1,791,000 |
| Provision for loan losses | 20,000 | 50,000 | 92,000 | 134,000 |
| Pretax income | 217,000 | 484,000 | 780,000 | 1,115,000 |
| Income tax | 85,000 | 194,000 | 323,000 | 442,000 |
| Net income | 132,000 | 290,000 | 457,000 | 673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,075,000 | 7,945,000 | 8,111,000 | 8,294,000 |
| Total capital | 7,618,000 | 8,510,000 | 8,730,000 | 8,961,000 |
| Risk-weighted assets | 55,293,000 | 61,832,000 | 66,342,000 | 69,636,000 |