Call reports 2013
BANK OF WALKER COUNTY — 2013
What BANK OF WALKER COUNTY 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 | 82,179,000 | 76,458,000 | 73,872,000 | 70,813,000 |
| Total loans | 48,331,000 | 47,697,000 | 46,700,000 | 47,644,000 |
| Allowance for loan losses | 766,000 | 750,000 | 753,000 | 626,000 |
| Securities available for sale | 19,565,000 | 16,919,000 | 17,166,000 | 15,598,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,968,000 | 66,501,000 | 63,732,000 | 60,763,000 |
| Interest-bearing deposits | 61,275,000 | 55,887,000 | 51,972,000 | 49,541,000 |
| Noninterest-bearing deposits | 10,693,000 | 10,614,000 | 11,760,000 | 11,222,000 |
| Equity capital | 10,040,000 | 9,884,000 | 10,036,000 | 10,002,000 |
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 | 815,000 | 1,599,000 | 2,389,000 | 3,152,000 |
| Interest expense | 110,000 | 221,000 | 317,000 | 390,000 |
| Net interest income | 705,000 | 1,378,000 | 2,072,000 | 2,762,000 |
| Noninterest income | 127,000 | 255,000 | 392,000 | 532,000 |
| Noninterest expense | 576,000 | 1,230,000 | 1,824,000 | 2,535,000 |
| Provision for loan losses | 10,000 | 13,000 | 15,000 | 19,000 |
| Pretax income | 246,000 | 405,000 | 640,000 | 757,000 |
| Income tax | 73,000 | 122,000 | 192,000 | 267,000 |
| Net income | 173,000 | 283,000 | 448,000 | 490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,005,000 | 10,115,000 | 10,280,000 | 10,321,000 |
| Total capital | 10,622,000 | 10,722,000 | 10,854,000 | 10,903,000 |
| Risk-weighted assets | 50,150,000 | 47,628,000 | 46,537,000 | 47,723,000 |