Call reports 2013
STATE BANK OF DAVIS — 2013
What STATE BANK OF DAVIS 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 | 137,243,000 | 134,017,000 | 139,560,000 | 136,690,000 |
| Total loans | 90,792,000 | 84,398,000 | 75,367,000 | 85,894,000 |
| Allowance for loan losses | 2,617,000 | 2,333,000 | 1,665,000 | 1,689,000 |
| Securities available for sale | 36,926,000 | 37,494,000 | 41,447,000 | 44,035,000 |
| Securities held to maturity | 1,690,000 | 1,700,000 | 1,711,000 | 1,559,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,093,000 | 113,405,000 | 117,778,000 | 116,177,000 |
| Interest-bearing deposits | 105,582,000 | 102,952,000 | 106,534,000 | 103,185,000 |
| Noninterest-bearing deposits | 10,511,000 | 10,453,000 | 11,244,000 | 12,992,000 |
| Equity capital | 13,624,000 | 13,219,000 | 12,889,000 | 12,947,000 |
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 | 1,467,000 | 2,905,000 | 4,262,000 | 5,689,000 |
| Interest expense | 274,000 | 537,000 | 791,000 | 1,034,000 |
| Net interest income | 1,193,000 | 2,368,000 | 3,471,000 | 4,655,000 |
| Noninterest income | 59,000 | 145,000 | 230,000 | 317,000 |
| Noninterest expense | 508,000 | 1,014,000 | 1,501,000 | 2,008,000 |
| Provision for loan losses | 195,000 | 384,000 | 580,000 | 800,000 |
| Pretax income | 549,000 | 1,115,000 | 1,640,000 | 2,187,000 |
| Income tax | 157,000 | 323,000 | 470,000 | 624,000 |
| Net income | 392,000 | 792,000 | 1,170,000 | 1,563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,565,000 | 12,774,000 | 12,961,000 | 13,175,000 |
| Total capital | 13,762,000 | 13,913,000 | 14,041,000 | 14,364,000 |
| Risk-weighted assets | 94,365,000 | 89,907,000 | 85,795,000 | 94,577,000 |