Call reports 2013
LIFESTORE BANK — 2013
What LIFESTORE 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 | 266,777,000 | 266,281,000 | 263,207,000 | 257,957,000 |
| Total loans | 186,146,000 | 195,223,000 | 193,664,000 | 192,757,000 |
| Allowance for loan losses | 3,437,000 | 3,090,000 | 3,222,000 | 3,139,000 |
| Securities available for sale | 32,365,000 | 30,545,000 | 29,326,000 | 28,632,000 |
| Securities held to maturity | 269,000 | 224,000 | 218,000 | 130,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,012,000 | 190,742,000 | 188,439,000 | 183,511,000 |
| Interest-bearing deposits | 172,360,000 | 171,909,000 | 169,190,000 | 157,356,000 |
| Noninterest-bearing deposits | 19,652,000 | 18,833,000 | 19,249,000 | 26,155,000 |
| Equity capital | 25,444,000 | 25,281,000 | 25,372,000 | 25,383,000 |
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 | 2,758,000 | 5,524,000 | 8,339,000 | 10,993,000 |
| Interest expense | 615,000 | 1,223,000 | 1,803,000 | 2,364,000 |
| Net interest income | 2,143,000 | 4,301,000 | 6,536,000 | 8,629,000 |
| Noninterest income | 635,000 | 1,245,000 | 1,708,000 | 2,211,000 |
| Noninterest expense | 2,301,000 | 4,762,000 | 7,108,000 | 9,490,000 |
| Provision for loan losses | 480,000 | 888,000 | 1,112,000 | 1,214,000 |
| Pretax income | -3,000 | -104,000 | 24,000 | 136,000 |
| Income tax | -64,000 | -253,000 | -260,000 | -270,000 |
| Net income | 61,000 | 149,000 | 284,000 | 406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,717,000 | 24,801,000 | 24,948,000 | 25,070,000 |
| Total capital | 27,000,000 | 27,172,000 | 27,268,000 | 27,225,000 |
| Risk-weighted assets | 181,489,000 | 188,964,000 | 184,659,000 | 184,663,000 |