Call reports 2013
ST. MARYS STATE BANK, THE — 2013
What ST. MARYS STATE BANK, 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 | 93,572,000 | 89,382,000 | 86,713,000 | 89,138,000 |
| Total loans | 48,396,000 | 48,939,000 | 49,557,000 | 50,165,000 |
| Allowance for loan losses | 1,320,000 | 1,327,000 | 1,333,000 | 1,338,000 |
| Securities available for sale | 28,763,000 | 30,211,000 | 29,484,000 | 29,735,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,468,000 | 70,677,000 | 69,005,000 | 71,208,000 |
| Interest-bearing deposits | 59,445,000 | 55,978,000 | 54,165,000 | 52,695,000 |
| Noninterest-bearing deposits | 16,023,000 | 14,699,000 | 14,840,000 | 18,513,000 |
| Equity capital | 9,052,000 | 8,224,000 | 8,610,000 | 8,814,000 |
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 | 875,000 | 1,746,000 | 2,633,000 | 3,513,000 |
| Interest expense | 199,000 | 395,000 | 589,000 | 776,000 |
| Net interest income | 676,000 | 1,351,000 | 2,044,000 | 2,737,000 |
| Noninterest income | 193,000 | 313,000 | 441,000 | 634,000 |
| Noninterest expense | 574,000 | 1,138,000 | 1,723,000 | 2,327,000 |
| Provision for loan losses | 100,000 | 145,000 | 180,000 | 195,000 |
| Pretax income | 195,000 | 381,000 | 582,000 | 852,000 |
| Income tax | -28,000 | -20,000 | -8,000 | 0 |
| Net income | 223,000 | 401,000 | 590,000 | 852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,504,000 | 8,614,000 | 8,755,000 | 8,970,000 |
| Total capital | 9,313,000 | 9,454,000 | 9,596,000 | 9,732,000 |
| Risk-weighted assets | 64,224,000 | 66,686,000 | 66,820,000 | 66,909,000 |
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