Call reports 2013
DEARBORN SAVINGS BANK — 2013
What DEARBORN SAVINGS 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 | 115,460,000 | 115,427,000 | 117,840,000 | 117,180,000 |
| Total loans | 87,484,000 | 88,174,000 | 89,697,000 | 89,252,000 |
| Allowance for loan losses | 1,070,000 | 1,090,000 | 888,000 | 981,000 |
| Securities available for sale | 10,842,000 | 11,005,000 | 11,328,000 | 11,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,398,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,603,000 | 90,610,000 | 90,784,000 | 89,853,000 |
| Interest-bearing deposits | 86,777,000 | 87,357,000 | 87,099,000 | 85,953,000 |
| Noninterest-bearing deposits | 3,826,000 | 3,253,000 | 3,685,000 | 3,900,000 |
| Equity capital | 15,802,000 | 15,926,000 | 16,172,000 | 16,379,000 |
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 | 1,114,000 | 2,215,000 | 3,324,000 | 4,425,000 |
| Interest expense | 173,000 | 348,000 | 523,000 | 700,000 |
| Net interest income | 941,000 | 1,867,000 | 2,801,000 | 3,725,000 |
| Noninterest income | 96,000 | 221,000 | 324,000 | 426,000 |
| Noninterest expense | 676,000 | 1,380,000 | 2,073,000 | 2,758,000 |
| Provision for loan losses | 40,000 | 60,000 | 40,000 | -20,000 |
| Pretax income | 324,000 | 651,000 | 1,015,000 | 1,440,000 |
| Income tax | 103,000 | 219,000 | 337,000 | 480,000 |
| Net income | 221,000 | 432,000 | 678,000 | 960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,672,000 | 15,947,000 | 16,194,000 | 16,477,000 |
| Total capital | 16,661,000 | 16,935,000 | 17,082,000 | 17,458,000 |
| Risk-weighted assets | 79,058,000 | 78,977,000 | 79,333,000 | 79,049,000 |