Call reports 2013
FIRST BANK OF BANCROFT — 2013
What FIRST BANK OF BANCROFT 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 | 20,791,000 | 21,005,000 | 20,738,000 | 21,042,000 |
| Total loans | 7,614,000 | 7,762,000 | 7,890,000 | 9,677,000 |
| Allowance for loan losses | 108,000 | 121,000 | 121,000 | 127,000 |
| Securities available for sale | 4,700,000 | 4,311,000 | 6,345,000 | 6,094,000 |
| Securities held to maturity | 400,000 | 400,000 | 400,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,379,000 | 17,611,000 | 17,391,000 | 17,025,000 |
| Interest-bearing deposits | 13,772,000 | 14,182,000 | 14,011,000 | 13,007,000 |
| Noninterest-bearing deposits | 3,607,000 | 3,429,000 | 3,380,000 | 4,018,000 |
| Equity capital | 3,282,000 | 3,286,000 | 3,257,000 | 3,161,000 |
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 | 160,000 | 316,000 | 483,000 | 658,000 |
| Interest expense | 18,000 | 35,000 | 51,000 | 66,000 |
| Net interest income | 142,000 | 281,000 | 432,000 | 592,000 |
| Noninterest income | 13,000 | 28,000 | 45,000 | 61,000 |
| Noninterest expense | 126,000 | 245,000 | 368,000 | 541,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 29,000 | 97,000 | 142,000 | 140,000 |
| Income tax | 3,000 | 9,000 | 25,000 | 13,000 |
| Net income | 26,000 | 88,000 | 117,000 | 127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,224,000 | 3,286,000 | 3,315,000 | 3,225,000 |
| Total capital | 3,332,000 | 3,402,000 | 3,436,000 | 3,352,000 |
| Risk-weighted assets | 11,197,000 | 9,277,000 | 9,753,000 | 11,619,000 |