Call reports 2013
SHARON BANK — 2013
What SHARON 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 | 236,787,000 | 232,554,000 | 227,907,000 | 214,806,000 |
| Total loans | 75,342,000 | 70,061,000 | 63,380,000 | 60,538,000 |
| Allowance for loan losses | 253,000 | 341,000 | 288,000 | 288,000 |
| Securities available for sale | 72,611,000 | 86,012,000 | 107,103,000 | 101,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,975,000 | 202,110,000 | 197,781,000 | 187,024,000 |
| Interest-bearing deposits | 192,338,000 | 195,380,000 | 192,079,000 | 181,352,000 |
| Noninterest-bearing deposits | 6,637,000 | 6,730,000 | 5,702,000 | 5,672,000 |
| Equity capital | 22,906,000 | 21,668,000 | 21,064,000 | 20,984,000 |
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 | 1,809,000 | 3,527,000 | 5,183,000 | 6,820,000 |
| Interest expense | 596,000 | 1,127,000 | 1,650,000 | 2,083,000 |
| Net interest income | 1,213,000 | 2,400,000 | 3,533,000 | 4,737,000 |
| Noninterest income | 85,000 | 168,000 | 254,000 | 339,000 |
| Noninterest expense | 1,230,000 | 2,465,000 | 4,299,000 | 5,516,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 68,000 | 103,000 | -512,000 | -440,000 |
| Income tax | 5,000 | -3,000 | -22,000 | -259,000 |
| Net income | 63,000 | 106,000 | -490,000 | -181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,922,000 | 21,966,000 | 21,370,000 | 21,679,000 |
| Total capital | 22,175,000 | 22,307,000 | 21,658,000 | 21,967,000 |
| Risk-weighted assets | 124,690,000 | 123,219,000 | 119,648,000 | 111,210,000 |