Call reports 2013
FOUNDERS COMMUNITY BANK — 2013
What FOUNDERS COMMUNITY 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 | 146,101,000 | 154,798,000 | 156,925,000 | 159,647,000 |
| Total loans | 95,173,000 | 99,044,000 | 101,363,000 | 113,395,000 |
| Allowance for loan losses | 1,641,000 | 1,641,000 | 1,640,000 | 1,749,000 |
| Securities available for sale | 960,000 | 1,385,000 | 8,340,000 | 10,683,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,154,000 | 138,445,000 | 140,296,000 | 143,672,000 |
| Interest-bearing deposits | 75,485,000 | 76,706,000 | 82,051,000 | 84,170,000 |
| Noninterest-bearing deposits | 54,669,000 | 61,739,000 | 58,245,000 | 59,502,000 |
| Equity capital | 15,835,000 | 16,104,000 | 16,430,000 | 15,854,000 |
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 | 1,570,000 | 3,146,000 | 4,805,000 | 6,591,000 |
| Interest expense | 65,000 | 134,000 | 203,000 | 272,000 |
| Net interest income | 1,505,000 | 3,012,000 | 4,602,000 | 6,319,000 |
| Noninterest income | 52,000 | 130,000 | 227,000 | 286,000 |
| Noninterest expense | 1,200,000 | 2,304,000 | 3,427,000 | 4,520,000 |
| Provision for loan losses | -39,000 | -41,000 | -42,000 | 60,000 |
| Pretax income | 396,000 | 879,000 | 1,444,000 | 2,025,000 |
| Income tax | 180,000 | 381,000 | 617,000 | 870,000 |
| Net income | 216,000 | 498,000 | 827,000 | 1,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,850,000 | 16,153,000 | 16,482,000 | 16,002,000 |
| Total capital | 17,137,000 | 17,482,000 | 17,864,000 | 17,542,000 |
| Risk-weighted assets | 102,560,000 | 105,980,000 | 110,255,000 | 122,964,000 |