Call reports 2013
STATE BANK OF DRUMMOND — 2013
What STATE BANK OF DRUMMOND 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 | 48,580,000 | 46,323,000 | 45,973,000 | 41,708,000 |
| Total loans | 22,060,000 | 21,390,000 | 21,110,000 | 20,974,000 |
| Allowance for loan losses | 700,000 | 604,000 | 600,000 | 614,000 |
| Securities available for sale | 8,325,000 | 9,043,000 | 9,763,000 | 9,288,000 |
| Securities held to maturity | 1,050,000 | 1,050,000 | 1,050,000 | 1,050,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,193,000 | 40,047,000 | 39,730,000 | 35,490,000 |
| Interest-bearing deposits | 30,149,000 | 28,886,000 | 29,075,000 | 28,124,000 |
| Noninterest-bearing deposits | 12,044,000 | 11,160,000 | 10,655,000 | 7,366,000 |
| Equity capital | 6,309,000 | 6,185,000 | 6,181,000 | 6,144,000 |
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 | 423,000 | 844,000 | 1,243,000 | 1,626,000 |
| Interest expense | 24,000 | 43,000 | 60,000 | 74,000 |
| Net interest income | 399,000 | 801,000 | 1,183,000 | 1,552,000 |
| Noninterest income | 89,000 | 155,000 | 188,000 | 249,000 |
| Noninterest expense | 411,000 | 793,000 | 1,192,000 | 1,593,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 62,000 | 81,000 | 82,000 | 88,000 |
| Income tax | 13,000 | 16,000 | 16,000 | 16,000 |
| Net income | 49,000 | 65,000 | 66,000 | 72,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,105,000 | 6,100,000 | 6,101,000 | 6,099,000 |
| Total capital | 6,456,000 | 6,443,000 | 6,389,000 | 6,387,000 |
| Risk-weighted assets | 27,744,000 | 27,210,000 | 22,732,000 | 22,709,000 |