Call reports 2013
S-BANK — 2013
What S-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 | 196,132,000 | 191,350,000 | 189,791,000 | 188,598,000 |
| Total loans | 116,630,000 | 122,054,000 | 120,746,000 | 121,917,000 |
| Allowance for loan losses | 2,009,000 | 2,010,000 | 865,000 | 897,000 |
| Securities available for sale | 63,062,000 | 53,184,000 | 48,375,000 | 47,689,000 |
| Securities held to maturity | 107,000 | 105,000 | 104,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,670,000 | 162,909,000 | 163,249,000 | 157,726,000 |
| Interest-bearing deposits | 146,997,000 | 139,768,000 | 137,409,000 | 130,978,000 |
| Noninterest-bearing deposits | 22,673,000 | 23,141,000 | 25,840,000 | 26,748,000 |
| Equity capital | 17,533,000 | 16,836,000 | 17,708,000 | 17,482,000 |
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 | 1,702,000 | 3,382,000 | 5,045,000 | 6,710,000 |
| Interest expense | 298,000 | 586,000 | 857,000 | 1,119,000 |
| Net interest income | 1,404,000 | 2,796,000 | 4,188,000 | 5,591,000 |
| Noninterest income | 153,000 | 313,000 | 276,000 | 239,000 |
| Noninterest expense | 1,519,000 | 3,022,000 | 3,953,000 | 5,410,000 |
| Provision for loan losses | -2,000 | -1,000 | -1,124,000 | -1,124,000 |
| Pretax income | 211,000 | 405,000 | 1,984,000 | 1,852,000 |
| Income tax | 59,000 | 115,000 | 725,000 | 652,000 |
| Net income | 152,000 | 290,000 | 1,259,000 | 1,200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,837,000 | 16,459,000 | 17,458,000 | 17,553,000 |
| Total capital | 18,504,000 | 18,113,000 | 18,420,000 | 18,547,000 |
| Risk-weighted assets | 132,939,000 | 131,893,000 | 129,818,000 | 130,238,000 |