Call reports 2013
BANK FORWARD — 2013
What BANK FORWARD 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 | 484,183,000 | 480,627,000 | 489,341,000 | 490,836,000 |
| Total loans | 347,437,000 | 373,901,000 | 389,382,000 | 384,196,000 |
| Allowance for loan losses | 5,668,000 | 4,741,000 | 5,557,000 | 5,314,000 |
| Securities available for sale | 87,856,000 | 60,621,000 | 52,863,000 | 51,311,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,556,000 | 381,390,000 | 378,936,000 | 408,793,000 |
| Interest-bearing deposits | 312,537,000 | 298,425,000 | 294,098,000 | 312,111,000 |
| Noninterest-bearing deposits | 91,019,000 | 82,965,000 | 84,838,000 | 96,682,000 |
| Equity capital | 48,561,000 | 45,842,000 | 46,289,000 | 46,108,000 |
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 | 4,791,000 | 9,716,000 | 14,896,000 | 19,968,000 |
| Interest expense | 756,000 | 1,402,000 | 2,081,000 | 2,741,000 |
| Net interest income | 4,035,000 | 8,314,000 | 12,815,000 | 17,227,000 |
| Noninterest income | 2,652,000 | 5,078,000 | 8,020,000 | 10,809,000 |
| Noninterest expense | 5,402,000 | 11,010,000 | 17,257,000 | 23,505,000 |
| Provision for loan losses | 0 | -1,500,000 | -1,500,000 | -1,500,000 |
| Pretax income | 1,285,000 | 4,027,000 | 5,225,000 | 6,178,000 |
| Income tax | 79,000 | 171,000 | 217,000 | 299,000 |
| Net income | 1,206,000 | 3,856,000 | 5,008,000 | 5,879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,351,000 | 39,110,000 | 39,926,000 | 38,793,000 |
| Total capital | 45,102,000 | 43,861,000 | 45,025,000 | 43,887,000 |
| Risk-weighted assets | 378,176,000 | 396,915,000 | 406,485,000 | 406,227,000 |