Call reports 2013
BANK OF ERATH — 2013
What BANK OF ERATH 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 | 93,088,000 | 92,817,000 | 93,743,000 | 93,459,000 |
| Total loans | 52,204,000 | 53,531,000 | 57,036,000 | 58,083,000 |
| Allowance for loan losses | 590,000 | 438,000 | 531,000 | 613,000 |
| Securities available for sale | 24,188,000 | 25,770,000 | 25,923,000 | 25,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,702,000 | 80,087,000 | 80,324,000 | 80,745,000 |
| Interest-bearing deposits | 50,994,000 | 51,657,000 | 51,704,000 | 50,987,000 |
| Noninterest-bearing deposits | 28,708,000 | 28,430,000 | 28,620,000 | 29,758,000 |
| Equity capital | 12,897,000 | 12,398,000 | 12,821,000 | 12,315,000 |
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 | 948,000 | 1,882,000 | 2,899,000 | 3,914,000 |
| Interest expense | 77,000 | 152,000 | 225,000 | 294,000 |
| Net interest income | 871,000 | 1,730,000 | 2,674,000 | 3,620,000 |
| Noninterest income | 130,000 | 237,000 | 389,000 | 457,000 |
| Noninterest expense | 768,000 | 1,509,000 | 2,191,000 | 3,093,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 233,000 | 458,000 | 872,000 | 909,000 |
| Income tax | 51,000 | 111,000 | 220,000 | 211,000 |
| Net income | 182,000 | 347,000 | 652,000 | 698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,364,000 | 12,493,000 | 12,799,000 | 12,416,000 |
| Total capital | 12,954,000 | 12,931,000 | 13,330,000 | 13,029,000 |
| Risk-weighted assets | 74,308,000 | 72,508,000 | 72,175,000 | 63,752,000 |
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