Call reports 2013
STATE BANK OF HERSCHER — 2013
What STATE BANK OF HERSCHER 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 | 165,612,000 | 151,955,000 | 153,328,000 | 150,275,000 |
| Total loans | 98,571,000 | 96,040,000 | 92,947,000 | 92,090,000 |
| Allowance for loan losses | 8,283,000 | 4,616,000 | 4,553,000 | 4,483,000 |
| Securities available for sale | 47,154,000 | 46,805,000 | 44,360,000 | 44,317,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,421,000 | 142,330,000 | 146,682,000 | 145,283,000 |
| Interest-bearing deposits | 134,926,000 | 123,169,000 | 125,911,000 | 119,695,000 |
| Noninterest-bearing deposits | 21,495,000 | 19,161,000 | 20,771,000 | 25,588,000 |
| Equity capital | 5,304,000 | 4,961,000 | 2,866,000 | 2,643,000 |
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 | 1,419,000 | 2,925,000 | 4,416,000 | 5,778,000 |
| Interest expense | 259,000 | 483,000 | 680,000 | 867,000 |
| Net interest income | 1,160,000 | 2,442,000 | 3,736,000 | 4,911,000 |
| Noninterest income | 165,000 | 357,000 | 562,000 | 692,000 |
| Noninterest expense | 1,275,000 | 2,666,000 | 3,967,000 | 5,397,000 |
| Provision for loan losses | 1,336,000 | 1,336,000 | 1,351,000 | 1,530,000 |
| Pretax income | -1,268,000 | -1,175,000 | -992,000 | -1,296,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,268,000 | -1,175,000 | -992,000 | -1,296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,356,000 | 5,441,000 | 5,616,000 | 5,315,000 |
| Total capital | 6,691,000 | 6,705,000 | 6,855,000 | 6,563,000 |
| Risk-weighted assets | 99,918,000 | 97,756,000 | 95,812,000 | 96,605,000 |