Call reports 2013
BANK OF SAINT ELIZABETH — 2013
What BANK OF SAINT ELIZABETH 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 | 101,201,000 | 100,175,000 | 102,132,000 | 106,800,000 |
| Total loans | 75,690,000 | 78,564,000 | 83,498,000 | 85,636,000 |
| Allowance for loan losses | 629,000 | 628,000 | 794,000 | 702,000 |
| Securities available for sale | 215,000 | 100,000 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,709,000 | 84,869,000 | 86,484,000 | 90,892,000 |
| Interest-bearing deposits | 68,888,000 | 68,181,000 | 68,822,000 | 71,876,000 |
| Noninterest-bearing deposits | 16,821,000 | 16,688,000 | 17,662,000 | 19,016,000 |
| Equity capital | 11,203,000 | 11,474,000 | 11,793,000 | 12,129,000 |
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 | 1,240,000 | 2,470,000 | 3,733,000 | 5,054,000 |
| Interest expense | 177,000 | 342,000 | 503,000 | 656,000 |
| Net interest income | 1,063,000 | 2,128,000 | 3,230,000 | 4,398,000 |
| Noninterest income | 186,000 | 346,000 | 497,000 | 657,000 |
| Noninterest expense | 754,000 | 1,363,000 | 2,012,000 | 2,974,000 |
| Provision for loan losses | 0 | 0 | 55,000 | 85,000 |
| Pretax income | 495,000 | 1,111,000 | 1,660,000 | 1,996,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 495,000 | 1,111,000 | 1,660,000 | 1,996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,114,000 | 8,411,000 | 8,755,000 | 9,117,000 |
| Total capital | 8,743,000 | 9,039,000 | 9,549,000 | 9,819,000 |
| Risk-weighted assets | 73,847,000 | 73,958,000 | 77,515,000 | 80,070,000 |