Call reports 2013
SIMPLICITY BANK — 2013
What SIMPLICITY 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 | 882,248,000 | 867,335,000 | 834,582,000 | 854,963,000 |
| Total loans | 721,944,000 | 699,853,000 | 721,539,000 | 721,960,000 |
| Allowance for loan losses | 6,438,000 | 5,643,000 | 5,487,000 | 5,039,000 |
| Securities available for sale | 58,160,000 | 52,172,000 | 48,128,000 | 45,251,000 |
| Securities held to maturity | 612,000 | 525,000 | 475,000 | 444,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 679,223,000 | 660,848,000 | 645,320,000 | 638,677,000 |
| Interest-bearing deposits | 612,778,000 | 595,020,000 | 588,051,000 | 575,600,000 |
| Noninterest-bearing deposits | 66,445,000 | 65,828,000 | 57,269,000 | 63,077,000 |
| Equity capital | 132,472,000 | 134,716,000 | 121,184,000 | 122,655,000 |
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 | 8,801,000 | 17,397,000 | 25,691,000 | 33,993,000 |
| Interest expense | 1,839,000 | 3,632,000 | 5,311,000 | 6,915,000 |
| Net interest income | 6,962,000 | 13,765,000 | 20,380,000 | 27,078,000 |
| Noninterest income | 1,501,000 | 3,101,000 | 4,471,000 | 5,802,000 |
| Noninterest expense | 5,731,000 | 12,125,000 | 18,249,000 | 24,310,000 |
| Provision for loan losses | 400,000 | -1,200,000 | -1,200,000 | -1,500,000 |
| Pretax income | 2,332,000 | 5,941,000 | 7,802,000 | 10,070,000 |
| Income tax | 880,000 | 2,155,000 | 2,842,000 | 3,701,000 |
| Net income | 1,452,000 | 3,786,000 | 4,960,000 | 6,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 129,481,000 | 132,145,000 | 118,552,000 | 120,213,000 |
| Total capital | 135,919,000 | 137,788,000 | 124,039,000 | 125,252,000 |
| Risk-weighted assets | 600,063,000 | 577,774,000 | 587,345,000 | 592,620,000 |