Call reports 2013
TEMPO BANK — 2013
What TEMPO 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 | 90,374,000 | 90,781,000 | 88,347,000 | 86,883,000 |
| Total loans | 73,385,000 | 73,722,000 | 73,862,000 | 74,131,000 |
| Allowance for loan losses | 383,000 | 383,000 | 368,000 | 368,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,854,000 | 75,258,000 | 72,868,000 | 71,347,000 |
| Interest-bearing deposits | 70,745,000 | 71,398,000 | 64,048,000 | 62,437,000 |
| Noninterest-bearing deposits | 4,109,000 | 3,860,000 | 8,820,000 | 8,910,000 |
| Equity capital | 9,666,000 | 9,787,000 | 9,761,000 | 9,868,000 |
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 | 924,000 | 1,817,000 | 2,702,000 | 3,540,000 |
| Interest expense | 184,000 | 367,000 | 555,000 | 724,000 |
| Net interest income | 740,000 | 1,450,000 | 2,147,000 | 2,816,000 |
| Noninterest income | -43,000 | -3,000 | 26,000 | 66,000 |
| Noninterest expense | 618,000 | 1,181,000 | 1,758,000 | 2,295,000 |
| Provision for loan losses | -49,000 | -49,000 | -64,000 | -64,000 |
| Pretax income | 128,000 | 315,000 | 479,000 | 651,000 |
| Income tax | 31,000 | 107,000 | 174,000 | 243,000 |
| Net income | 97,000 | 208,000 | 305,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,666,000 | 9,787,000 | 9,761,000 | 9,868,000 |
| Total capital | 10,049,000 | 10,170,000 | 10,129,000 | 10,234,000 |
| Risk-weighted assets | 45,519,000 | 45,313,000 | 44,718,000 | 44,428,000 |