Call reports 2013
STONE BANK — 2013
What STONE 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 | 67,840,000 | 66,982,000 | 65,826,000 | 74,636,000 |
| Total loans | 46,133,000 | 47,092,000 | 48,458,000 | 51,135,000 |
| Allowance for loan losses | 1,701,000 | 1,550,000 | 1,562,000 | 1,509,000 |
| Securities available for sale | 8,729,000 | 9,154,000 | 8,785,000 | 8,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,754,000 | 57,982,000 | 56,758,000 | 65,368,000 |
| Interest-bearing deposits | 55,543,000 | 53,825,000 | 53,363,000 | 60,074,000 |
| Noninterest-bearing deposits | 3,211,000 | 4,157,000 | 3,395,000 | 5,294,000 |
| Equity capital | 8,916,000 | 8,892,000 | 8,930,000 | 9,052,000 |
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 | 822,000 | 1,657,000 | 2,506,000 | 3,392,000 |
| Interest expense | 208,000 | 415,000 | 622,000 | 823,000 |
| Net interest income | 614,000 | 1,242,000 | 1,884,000 | 2,569,000 |
| Noninterest income | 329,000 | 720,000 | 916,000 | 1,238,000 |
| Noninterest expense | 647,000 | 1,354,000 | 2,037,000 | 2,806,000 |
| Provision for loan losses | 49,000 | 96,000 | 155,000 | 155,000 |
| Pretax income | 247,000 | 512,000 | 608,000 | 846,000 |
| Income tax | 94,000 | 196,000 | 233,000 | 324,000 |
| Net income | 153,000 | 316,000 | 375,000 | 522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,796,000 | 6,976,000 | 7,065,000 | 7,294,000 |
| Total capital | 7,371,000 | 7,549,000 | 7,637,000 | 7,906,000 |
| Risk-weighted assets | 44,841,000 | 44,842,000 | 44,800,000 | 48,028,000 |