Call reports 2013
LAKE SUNAPEE BANK, FSB — 2013
What LAKE SUNAPEE BANK, FSB 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 | 1,230,122,000 | 1,219,331,000 | 1,239,327,000 | 1,422,844,000 |
| Total loans | 918,466,000 | 921,813,000 | 961,349,000 | 1,144,525,000 |
| Allowance for loan losses | 9,755,000 | 9,510,000 | 9,631,000 | 9,733,000 |
| Securities available for sale | 193,873,000 | 151,273,000 | 155,065,000 | 125,252,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 920,416,000 | 921,302,000 | 931,727,000 | 1,094,986,000 |
| Interest-bearing deposits | 890,940,000 | 889,437,000 | 896,412,000 | 1,044,864,000 |
| Noninterest-bearing deposits | 29,476,000 | 31,865,000 | 35,315,000 | 50,122,000 |
| Equity capital | 147,815,000 | 144,322,000 | 147,547,000 | 166,182,000 |
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 | 9,841,000 | 19,359,000 | 28,914,000 | 40,193,000 |
| Interest expense | 1,463,000 | 2,950,000 | 4,293,000 | 5,694,000 |
| Net interest income | 8,378,000 | 16,409,000 | 24,621,000 | 34,499,000 |
| Noninterest income | 3,860,000 | 7,449,000 | 12,688,000 | 17,986,000 |
| Noninterest expense | 8,499,000 | 16,990,000 | 26,644,000 | 38,570,000 |
| Provision for loan losses | 400,000 | 550,000 | 650,000 | 888,000 |
| Pretax income | 3,506,000 | 7,099,000 | 10,796,000 | 13,991,000 |
| Income tax | 1,142,000 | 2,313,000 | 2,978,000 | 3,994,000 |
| Net income | 2,364,000 | 4,786,000 | 7,818,000 | 9,997,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 110,492,000 | 109,412,000 | 105,542,000 | 113,382,000 |
| Total capital | 120,417,000 | 119,093,000 | 115,343,000 | 123,556,000 |
| Risk-weighted assets | 798,316,000 | 791,375,000 | 842,986,000 | 958,434,000 |