Call reports 2013
CCFBANK NATIONAL ASSOCIATION — 2013
What CCFBANK NATIONAL ASSOCIATION 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 | 542,526,000 | 552,080,000 | 554,694,000 | 552,204,000 |
| Total loans | 422,135,000 | 438,350,000 | 441,062,000 | 444,074,000 |
| Allowance for loan losses | 5,930,000 | 6,055,000 | 6,180,000 | 6,285,000 |
| Securities available for sale | 80,465,000 | 69,177,000 | 79,695,000 | 76,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,144,000 | 442,864,000 | 447,937,000 | 438,812,000 |
| Interest-bearing deposits | 411,801,000 | 419,701,000 | 424,475,000 | 418,052,000 |
| Noninterest-bearing deposits | 25,343,000 | 23,163,000 | 23,462,000 | 20,760,000 |
| Equity capital | 54,760,000 | 53,554,000 | 53,955,000 | 53,936,000 |
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 | 6,122,000 | 12,114,000 | 18,266,000 | 24,368,000 |
| Interest expense | 1,330,000 | 2,627,000 | 3,903,000 | 5,006,000 |
| Net interest income | 4,792,000 | 9,487,000 | 14,363,000 | 19,362,000 |
| Noninterest income | 655,000 | 1,506,000 | 2,262,000 | 2,846,000 |
| Noninterest expense | 4,292,000 | 8,572,000 | 12,938,000 | 17,285,000 |
| Provision for loan losses | 765,000 | 1,515,000 | 2,243,000 | 2,843,000 |
| Pretax income | 416,000 | 751,000 | 1,282,000 | 1,839,000 |
| Income tax | 159,000 | 280,000 | 477,000 | 682,000 |
| Net income | 257,000 | 471,000 | 805,000 | 1,157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,804,000 | 54,016,000 | 54,717,000 | 55,037,000 |
| Total capital | 58,336,000 | 58,567,000 | 59,297,000 | 59,574,000 |
| Risk-weighted assets | 361,137,000 | 362,541,000 | 364,781,000 | 361,207,000 |