Call reports 2013
FIRST SERVICE BANK — 2013
What FIRST SERVICE 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 | 218,438,000 | 211,759,000 | 211,986,000 | 217,092,000 |
| Total loans | 159,540,000 | 170,298,000 | 172,045,000 | 172,649,000 |
| Allowance for loan losses | 3,684,000 | 3,753,000 | 3,871,000 | 3,690,000 |
| Securities available for sale | 10,754,000 | 8,581,000 | 7,578,000 | 6,912,000 |
| Securities held to maturity | 9,579,000 | 9,540,000 | 8,724,000 | 9,188,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,525,000 | 181,420,000 | 178,606,000 | 183,180,000 |
| Interest-bearing deposits | 152,374,000 | 150,159,000 | 147,069,000 | 148,895,000 |
| Noninterest-bearing deposits | 31,151,000 | 31,261,000 | 31,536,000 | 34,285,000 |
| Equity capital | 28,051,000 | 27,717,000 | 27,964,000 | 28,032,000 |
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 | 2,785,000 | 5,600,000 | 8,478,000 | 11,316,000 |
| Interest expense | 225,000 | 424,000 | 585,000 | 765,000 |
| Net interest income | 2,560,000 | 5,176,000 | 7,893,000 | 10,551,000 |
| Noninterest income | 902,000 | 1,749,000 | 2,564,000 | 3,155,000 |
| Noninterest expense | 2,604,000 | 5,258,000 | 7,965,000 | 10,939,000 |
| Provision for loan losses | 207,000 | 427,000 | 653,000 | 653,000 |
| Pretax income | 651,000 | 1,240,000 | 1,839,000 | 2,114,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 651,000 | 1,240,000 | 1,839,000 | 2,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,768,000 | 27,541,000 | 27,768,000 | 27,895,000 |
| Total capital | 29,768,000 | 29,541,000 | 29,768,000 | 29,895,000 |
| Risk-weighted assets | 160,705,000 | 170,273,000 | 168,534,000 | 168,925,000 |