Call reports 2013
BANKESB — 2013
What BANKESB 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 | 971,477,000 | 969,955,000 | 1,000,470,000 | 1,002,298,000 |
| Total loans | 678,583,000 | 684,658,000 | 714,997,000 | 726,391,000 |
| Allowance for loan losses | 4,579,000 | 5,059,000 | 5,184,000 | 5,805,000 |
| Securities available for sale | 199,103,000 | 193,073,000 | 185,981,000 | 180,022,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 805,711,000 | 803,075,000 | 814,150,000 | 829,277,000 |
| Interest-bearing deposits | 755,914,000 | 753,374,000 | 760,466,000 | 778,228,000 |
| Noninterest-bearing deposits | 49,797,000 | 49,701,000 | 53,684,000 | 51,049,000 |
| Equity capital | 122,753,000 | 120,103,000 | 121,645,000 | 121,749,000 |
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 | 9,250,000 | 18,136,000 | 26,985,000 | 36,102,000 |
| Interest expense | 1,600,000 | 3,142,000 | 4,610,000 | 6,097,000 |
| Net interest income | 7,650,000 | 14,994,000 | 22,375,000 | 30,005,000 |
| Noninterest income | 1,116,000 | 2,304,000 | 3,535,000 | 4,674,000 |
| Noninterest expense | 5,515,000 | 11,131,000 | 17,149,000 | 23,308,000 |
| Provision for loan losses | 171,000 | 701,000 | 851,000 | 1,653,000 |
| Pretax income | 3,041,000 | 5,438,000 | 7,883,000 | 9,664,000 |
| Income tax | 1,010,000 | 1,779,000 | 2,534,000 | 2,903,000 |
| Net income | 2,031,000 | 3,659,000 | 5,349,000 | 6,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 119,734,000 | 121,059,000 | 122,644,000 | 123,894,000 |
| Total capital | 124,892,000 | 126,278,000 | 127,988,000 | 129,859,000 |
| Risk-weighted assets | 574,370,000 | 588,228,000 | 608,003,000 | 613,620,000 |