Call reports 2013
BATH STATE BANK — 2013
What BATH STATE BANK 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 | 152,857,000 | 151,272,000 | 152,426,000 | 150,430,000 |
| Total loans | 103,278,000 | 104,692,000 | 103,501,000 | 104,759,000 |
| Allowance for loan losses | 2,687,000 | 2,659,000 | 2,608,000 | 2,430,000 |
| Securities available for sale | 35,151,000 | 34,811,000 | 36,239,000 | 35,607,000 |
| Securities held to maturity | 418,000 | 375,000 | 341,000 | 325,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,006,000 | 133,471,000 | 134,090,000 | 130,929,000 |
| Interest-bearing deposits | 122,542,000 | 121,360,000 | 120,851,000 | 117,663,000 |
| Noninterest-bearing deposits | 12,464,000 | 12,111,000 | 13,238,000 | 13,266,000 |
| Equity capital | 14,648,000 | 14,494,000 | 14,490,000 | 14,717,000 |
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 | 1,683,000 | 3,315,000 | 4,899,000 | 6,544,000 |
| Interest expense | 374,000 | 727,000 | 1,071,000 | 1,390,000 |
| Net interest income | 1,309,000 | 2,588,000 | 3,828,000 | 5,154,000 |
| Noninterest income | 210,000 | 380,000 | 534,000 | 674,000 |
| Noninterest expense | 1,001,000 | 1,959,000 | 2,955,000 | 3,927,000 |
| Provision for loan losses | 132,000 | 198,000 | 274,000 | 348,000 |
| Pretax income | 393,000 | 821,000 | 1,143,000 | 1,611,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 391,000 | 819,000 | 1,141,000 | 1,609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,802,000 | 14,091,000 | 14,207,000 | 14,320,000 |
| Total capital | 14,953,000 | 15,262,000 | 15,412,000 | 15,506,000 |
| Risk-weighted assets | 90,980,000 | 92,361,000 | 94,965,000 | 93,609,000 |