Call reports 2013
SMALL TOWN BANK — 2013
What SMALL TOWN 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 | 231,698,000 | 228,898,000 | 223,848,000 | 222,279,000 |
| Total loans | 102,224,000 | 104,413,000 | 98,530,000 | 93,724,000 |
| Allowance for loan losses | 2,331,000 | 2,390,000 | 2,583,000 | 2,545,000 |
| Securities available for sale | 94,730,000 | 89,216,000 | 87,448,000 | 95,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,117,000 | 189,171,000 | 183,465,000 | 182,196,000 |
| Interest-bearing deposits | 169,317,000 | 169,497,000 | 163,683,000 | 161,897,000 |
| Noninterest-bearing deposits | 20,800,000 | 19,674,000 | 19,782,000 | 20,299,000 |
| Equity capital | 33,304,000 | 31,818,000 | 32,148,000 | 32,107,000 |
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 | 2,660,000 | 5,312,000 | 7,946,000 | 10,450,000 |
| Interest expense | 697,000 | 1,354,000 | 1,975,000 | 2,492,000 |
| Net interest income | 1,963,000 | 3,958,000 | 5,971,000 | 7,958,000 |
| Noninterest income | 270,000 | 526,000 | 638,000 | 681,000 |
| Noninterest expense | 1,230,000 | 2,257,000 | 3,422,000 | 4,664,000 |
| Provision for loan losses | 240,000 | 480,000 | 720,000 | 760,000 |
| Pretax income | 763,000 | 1,747,000 | 2,467,000 | 3,215,000 |
| Income tax | 122,000 | 282,000 | 447,000 | 581,000 |
| Net income | 641,000 | 1,465,000 | 2,020,000 | 2,634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,736,000 | 29,576,000 | 30,097,000 | 30,625,000 |
| Total capital | 30,409,000 | 31,282,000 | 31,742,000 | 32,241,000 |
| Risk-weighted assets | 132,901,000 | 135,844,000 | 130,645,000 | 128,354,000 |