Call reports 2013
FIRST SOUND BANK — 2013
What FIRST SOUND 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 | 123,176,000 | 105,541,000 | 98,609,000 | 94,691,000 |
| Total loans | 75,396,000 | 80,009,000 | 78,177,000 | 83,117,000 |
| Allowance for loan losses | 1,437,000 | 1,437,000 | 1,393,000 | 1,327,000 |
| Securities available for sale | 25,000 | 17,000 | 12,000 | 6,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,434,000 | 93,977,000 | 86,883,000 | 83,090,000 |
| Interest-bearing deposits | 94,884,000 | 79,250,000 | 66,761,000 | 64,577,000 |
| Noninterest-bearing deposits | 17,550,000 | 14,727,000 | 20,122,000 | 18,513,000 |
| Equity capital | 9,824,000 | 9,725,000 | 9,736,000 | 9,697,000 |
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 | 1,131,000 | 2,215,000 | 3,266,000 | 4,259,000 |
| Interest expense | 128,000 | 239,000 | 332,000 | 424,000 |
| Net interest income | 1,003,000 | 1,976,000 | 2,934,000 | 3,835,000 |
| Noninterest income | -24,000 | 65,000 | 156,000 | 224,000 |
| Noninterest expense | 1,319,000 | 2,528,000 | 3,641,000 | 4,734,000 |
| Provision for loan losses | -155,000 | -204,000 | -279,000 | -309,000 |
| Pretax income | -185,000 | -283,000 | -272,000 | -366,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -185,000 | -283,000 | -272,000 | -366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,824,000 | 9,720,000 | 9,736,000 | 9,697,000 |
| Total capital | 10,740,000 | 10,693,000 | 10,698,000 | 10,724,000 |
| Risk-weighted assets | 72,713,000 | 77,374,000 | 76,521,000 | 81,846,000 |