Call reports 2013
FIRST STATE BANK OF ST. ROBERT — 2013
What FIRST STATE BANK OF ST. ROBERT 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 | 97,614,000 | 95,621,000 | 96,452,000 | 93,019,000 |
| Total loans | 53,928,000 | 53,711,000 | 52,981,000 | 51,226,000 |
| Allowance for loan losses | 824,000 | 845,000 | 863,000 | 880,000 |
| Securities available for sale | 24,763,000 | 26,233,000 | 27,034,000 | 27,654,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,051,000 | 84,127,000 | 84,939,000 | 82,396,000 |
| Interest-bearing deposits | 74,593,000 | 72,776,000 | 72,311,000 | 69,944,000 |
| Noninterest-bearing deposits | 11,458,000 | 11,351,000 | 12,628,000 | 12,452,000 |
| Equity capital | 10,309,000 | 10,257,000 | 10,232,000 | 10,442,000 |
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 | 1,043,000 | 2,066,000 | 3,084,000 | 4,075,000 |
| Interest expense | 157,000 | 306,000 | 448,000 | 576,000 |
| Net interest income | 886,000 | 1,760,000 | 2,636,000 | 3,499,000 |
| Noninterest income | 150,000 | 329,000 | 509,000 | 668,000 |
| Noninterest expense | 780,000 | 1,602,000 | 2,412,000 | 3,157,000 |
| Provision for loan losses | 40,000 | 70,000 | 100,000 | 130,000 |
| Pretax income | 216,000 | 417,000 | 633,000 | 880,000 |
| Income tax | 56,000 | 113,000 | 176,000 | 239,000 |
| Net income | 160,000 | 304,000 | 457,000 | 641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,159,000 | 10,302,000 | 10,455,000 | 10,639,000 |
| Total capital | 10,844,000 | 10,982,000 | 11,141,000 | 11,317,000 |
| Risk-weighted assets | 54,660,000 | 54,250,000 | 54,668,000 | 54,058,000 |