Call reports 2013
PHELPS COUNTY BANK — 2013
What PHELPS COUNTY 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 | 315,745,000 | 319,850,000 | 313,210,000 | 330,211,000 |
| Total loans | 166,509,000 | 173,051,000 | 174,560,000 | 175,005,000 |
| Allowance for loan losses | 1,762,000 | 1,725,000 | 1,707,000 | 1,759,000 |
| Securities available for sale | 136,576,000 | 133,907,000 | 121,174,000 | 123,217,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,885,000 | 278,502,000 | 287,593,000 | 305,715,000 |
| Interest-bearing deposits | 241,414,000 | 241,545,000 | 246,980,000 | 264,927,000 |
| Noninterest-bearing deposits | 38,471,000 | 36,957,000 | 40,613,000 | 40,788,000 |
| Equity capital | 25,840,000 | 22,677,000 | 20,789,000 | 20,275,000 |
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 | 2,933,000 | 5,891,000 | 8,850,000 | 11,826,000 |
| Interest expense | 370,000 | 751,000 | 1,139,000 | 1,509,000 |
| Net interest income | 2,563,000 | 5,140,000 | 7,711,000 | 10,317,000 |
| Noninterest income | 630,000 | 1,345,000 | 2,147,000 | 2,888,000 |
| Noninterest expense | 2,265,000 | 4,649,000 | 6,995,000 | 9,296,000 |
| Provision for loan losses | 0 | 15,000 | 87,000 | 167,000 |
| Pretax income | 994,000 | 2,169,000 | 3,134,000 | 4,100,000 |
| Income tax | 6,000 | 6,000 | 6,000 | 6,000 |
| Net income | 988,000 | 2,163,000 | 3,128,000 | 4,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,897,000 | 23,322,000 | 23,536,000 | 23,540,000 |
| Total capital | 24,659,000 | 25,047,000 | 25,243,000 | 25,299,000 |
| Risk-weighted assets | 150,252,000 | 155,520,000 | 156,078,000 | 156,755,000 |