Call reports 2013
BENEFIT BANK — 2013
What BENEFIT 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 | 193,840,000 | 191,357,000 | 190,392,000 | 187,016,000 |
| Total loans | 143,094,000 | 146,462,000 | 153,064,000 | 158,040,000 |
| Allowance for loan losses | 3,438,000 | 3,469,000 | 3,583,000 | 3,503,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,807,000 | 156,032,000 | 156,119,000 | 153,308,000 |
| Interest-bearing deposits | 141,437,000 | 139,637,000 | 138,641,000 | 135,248,000 |
| Noninterest-bearing deposits | 17,370,000 | 16,395,000 | 17,478,000 | 18,060,000 |
| Equity capital | 19,135,000 | 19,342,000 | 19,636,000 | 19,614,000 |
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 | 1,932,000 | 3,820,000 | 5,799,000 | 7,769,000 |
| Interest expense | 349,000 | 686,000 | 1,007,000 | 1,306,000 |
| Net interest income | 1,583,000 | 3,134,000 | 4,792,000 | 6,463,000 |
| Noninterest income | 477,000 | 894,000 | 1,252,000 | 1,554,000 |
| Noninterest expense | 1,701,000 | 3,432,000 | 5,154,000 | 6,881,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 329,000 | 536,000 | 830,000 | 1,076,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 329,000 | 536,000 | 830,000 | 1,076,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,135,000 | 19,342,000 | 19,636,000 | 19,614,000 |
| Total capital | 20,611,000 | 20,836,000 | 21,232,000 | 21,255,000 |
| Risk-weighted assets | 116,093,000 | 117,555,000 | 125,664,000 | 129,435,000 |