Call reports 2013
SILVER LAKE BANK — 2013
What SILVER LAKE 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 | 226,743,000 | 241,436,000 | 238,248,000 | 242,894,000 |
| Total loans | 141,685,000 | 135,948,000 | 137,589,000 | 140,713,000 |
| Allowance for loan losses | 4,053,000 | 1,629,000 | 2,431,000 | 2,447,000 |
| Securities available for sale | 64,216,000 | 65,650,000 | 67,341,000 | 73,188,000 |
| Securities held to maturity | 395,000 | 395,000 | 395,000 | 395,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,103,000 | 189,249,000 | 183,926,000 | 183,985,000 |
| Interest-bearing deposits | 147,383,000 | 162,114,000 | 154,593,000 | 155,096,000 |
| Noninterest-bearing deposits | 25,720,000 | 27,135,000 | 29,333,000 | 28,889,000 |
| Equity capital | 27,278,000 | 25,850,000 | 25,972,000 | 26,049,000 |
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 | 1,937,000 | 4,016,000 | 5,814,000 | 7,778,000 |
| Interest expense | 339,000 | 671,000 | 1,005,000 | 1,333,000 |
| Net interest income | 1,598,000 | 3,345,000 | 4,809,000 | 6,445,000 |
| Noninterest income | -13,000 | 161,000 | 335,000 | 478,000 |
| Noninterest expense | 1,175,000 | 2,447,000 | 3,659,000 | 4,997,000 |
| Provision for loan losses | 191,000 | 1,611,000 | 2,283,000 | 2,283,000 |
| Pretax income | 219,000 | 3,000 | -118,000 | 323,000 |
| Income tax | 40,000 | -80,000 | -160,000 | -26,000 |
| Net income | 179,000 | 83,000 | 42,000 | 349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,218,000 | 26,122,000 | 26,081,000 | 26,387,000 |
| Total capital | 28,011,000 | 27,751,000 | 27,888,000 | 28,254,000 |
| Risk-weighted assets | 141,145,000 | 142,587,000 | 143,901,000 | 148,770,000 |