Call reports 2013
BANK OF FINCASTLE, THE — 2013
What BANK OF FINCASTLE, THE 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 | 199,303,000 | 198,379,000 | 202,993,000 | 210,851,000 |
| Total loans | 142,995,000 | 148,602,000 | 149,413,000 | 147,629,000 |
| Allowance for loan losses | 1,877,000 | 1,847,000 | 2,281,000 | 2,256,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,373,000 | 23,713,000 | 27,110,000 | 28,063,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,128,000 | 171,337,000 | 176,024,000 | 184,293,000 |
| Interest-bearing deposits | 125,400,000 | 125,128,000 | 126,929,000 | 134,978,000 |
| Noninterest-bearing deposits | 46,728,000 | 46,209,000 | 49,095,000 | 49,315,000 |
| Equity capital | 26,196,000 | 26,293,000 | 25,990,000 | 25,773,000 |
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 | 1,844,000 | 3,752,000 | 5,453,000 | 7,209,000 |
| Interest expense | 249,000 | 499,000 | 756,000 | 1,018,000 |
| Net interest income | 1,595,000 | 3,253,000 | 4,697,000 | 6,191,000 |
| Noninterest income | 364,000 | 679,000 | 1,050,000 | 1,363,000 |
| Noninterest expense | 1,334,000 | 2,745,000 | 4,216,000 | 5,606,000 |
| Provision for loan losses | 100,000 | 115,000 | 764,000 | 764,000 |
| Pretax income | 525,000 | 1,072,000 | 767,000 | 1,184,000 |
| Income tax | 152,000 | 260,000 | 258,000 | 390,000 |
| Net income | 373,000 | 812,000 | 509,000 | 794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,196,000 | 26,293,000 | 25,990,000 | 25,773,000 |
| Total capital | 28,073,000 | 28,140,000 | 28,064,000 | 27,955,000 |
| Risk-weighted assets | 163,885,000 | 166,741,000 | 165,684,000 | 174,514,000 |