Call reports 2013
BEAUREGARD FEDERAL SAVINGS BANK — 2013
What BEAUREGARD FEDERAL 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 | 53,670,000 | 52,325,000 | 54,449,000 | 57,660,000 |
| Total loans | 34,861,000 | 34,218,000 | 33,167,000 | 33,140,000 |
| Allowance for loan losses | 525,000 | 590,000 | 606,000 | 624,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,067,000 | 12,047,000 | 14,018,000 | 16,381,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,670,000 | 42,167,000 | 44,045,000 | 47,696,000 |
| Interest-bearing deposits | 42,345,000 | 41,211,000 | 42,500,000 | 46,511,000 |
| Noninterest-bearing deposits | 1,325,000 | 956,000 | 1,545,000 | 1,185,000 |
| Equity capital | 9,743,000 | 9,881,000 | 10,037,000 | 9,719,000 |
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 | 723,000 | 1,466,000 | 2,201,000 | 2,953,000 |
| Interest expense | 77,000 | 151,000 | 225,000 | 300,000 |
| Net interest income | 646,000 | 1,315,000 | 1,976,000 | 2,653,000 |
| Noninterest income | 28,000 | 66,000 | 101,000 | 130,000 |
| Noninterest expense | 386,000 | 761,000 | 1,147,000 | 1,527,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 273,000 | 640,000 | 935,000 | 1,246,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 273,000 | 640,000 | 935,000 | 1,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,743,000 | 9,881,000 | 10,037,000 | 9,719,000 |
| Total capital | 10,103,000 | 10,229,000 | 10,392,000 | 10,078,000 |
| Risk-weighted assets | 28,612,000 | 27,559,000 | 28,124,000 | 28,485,000 |