Call reports 2013
STATE BANK OF BOTTINEAU — 2013
What STATE BANK OF BOTTINEAU 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 | 58,445,000 | 55,600,000 | 58,782,000 | 59,632,000 |
| Total loans | 42,579,000 | 45,597,000 | 45,456,000 | 45,682,000 |
| Allowance for loan losses | 418,000 | 429,000 | 441,000 | 450,000 |
| Securities available for sale | 3,757,000 | 3,530,000 | 3,332,000 | 3,714,000 |
| Securities held to maturity | 144,000 | 133,000 | 126,000 | 114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,413,000 | 49,506,000 | 52,494,000 | 53,242,000 |
| Interest-bearing deposits | 42,618,000 | 40,450,000 | 42,203,000 | 41,744,000 |
| Noninterest-bearing deposits | 9,795,000 | 9,056,000 | 10,290,000 | 11,498,000 |
| Equity capital | 4,888,000 | 5,010,000 | 5,166,000 | 5,299,000 |
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 | 591,000 | 1,216,000 | 1,871,000 | 2,494,000 |
| Interest expense | 79,000 | 155,000 | 229,000 | 297,000 |
| Net interest income | 512,000 | 1,061,000 | 1,642,000 | 2,197,000 |
| Noninterest income | 43,000 | 80,000 | 146,000 | 198,000 |
| Noninterest expense | 415,000 | 796,000 | 1,233,000 | 1,657,000 |
| Provision for loan losses | 0 | 8,000 | 20,000 | 36,000 |
| Pretax income | 140,000 | 337,000 | 535,000 | 702,000 |
| Income tax | 11,000 | 42,000 | 42,000 | 42,000 |
| Net income | 129,000 | 295,000 | 493,000 | 660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,528,000 | 4,700,000 | 4,858,000 | 5,024,000 |
| Total capital | 4,946,000 | 5,129,000 | 5,299,000 | 5,474,000 |
| Risk-weighted assets | 42,022,000 | 43,420,000 | 44,048,000 | 44,777,000 |