Call reports 2013
RNB STATE BANK — 2013
What RNB STATE 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 | 151,591,000 | 147,390,000 | 155,085,000 | 155,161,000 |
| Total loans | 58,241,000 | 57,335,000 | 59,041,000 | 60,675,000 |
| Allowance for loan losses | 1,226,000 | 1,109,000 | 1,120,000 | 1,142,000 |
| Securities available for sale | 36,458,000 | 34,910,000 | 33,370,000 | 37,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,210,000 | 129,360,000 | 136,103,000 | 135,869,000 |
| Interest-bearing deposits | 108,791,000 | 104,721,000 | 110,174,000 | 108,195,000 |
| Noninterest-bearing deposits | 24,419,000 | 24,639,000 | 25,929,000 | 27,674,000 |
| Equity capital | 14,320,000 | 14,053,000 | 14,220,000 | 14,355,000 |
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 | 1,119,000 | 2,220,000 | 3,327,000 | 4,463,000 |
| Interest expense | 90,000 | 176,000 | 260,000 | 342,000 |
| Net interest income | 1,029,000 | 2,044,000 | 3,067,000 | 4,121,000 |
| Noninterest income | 268,000 | 520,000 | 831,000 | 1,052,000 |
| Noninterest expense | 1,382,000 | 2,728,000 | 3,995,000 | 5,294,000 |
| Provision for loan losses | 45,000 | 45,000 | 45,000 | 60,000 |
| Pretax income | -143,000 | -211,000 | -145,000 | -184,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -143,000 | -211,000 | -145,000 | -184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,975,000 | 14,107,000 | 14,474,000 | 14,434,000 |
| Total capital | 14,875,000 | 14,985,000 | 15,347,000 | 15,326,000 |
| Risk-weighted assets | 71,708,000 | 70,174,000 | 69,588,000 | 71,065,000 |