Call reports 2013
STROUD NATIONAL BANK — 2013
What STROUD NATIONAL 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 | 81,773,000 | 80,494,000 | 80,423,000 | 80,793,000 |
| Total loans | 47,619,000 | 47,577,000 | 47,593,000 | 45,790,000 |
| Allowance for loan losses | 1,055,000 | 962,000 | 962,000 | 926,000 |
| Securities available for sale | 20,090,000 | 23,341,000 | 21,942,000 | 24,516,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,639,000 | 62,792,000 | 63,415,000 | 64,196,000 |
| Interest-bearing deposits | 48,802,000 | 48,544,000 | 48,496,000 | 48,828,000 |
| Noninterest-bearing deposits | 14,837,000 | 14,248,000 | 14,919,000 | 15,368,000 |
| Equity capital | 8,878,000 | 8,113,000 | 7,986,000 | 7,868,000 |
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 | 1,899,000 | 2,872,000 | 3,825,000 |
| Interest expense | 154,000 | 302,000 | 450,000 | 595,000 |
| Net interest income | 770,000 | 1,597,000 | 2,422,000 | 3,230,000 |
| Noninterest income | 201,000 | 412,000 | 627,000 | 856,000 |
| Noninterest expense | 842,000 | 1,687,000 | 2,558,000 | 3,411,000 |
| Provision for loan losses | 58,000 | 96,000 | 130,000 | 211,000 |
| Pretax income | 71,000 | 226,000 | 412,000 | 526,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 71,000 | 226,000 | 412,000 | 526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,370,000 | 8,329,000 | 8,395,000 | 8,389,000 |
| Total capital | 9,013,000 | 8,979,000 | 9,052,000 | 9,023,000 |
| Risk-weighted assets | 50,902,000 | 51,435,000 | 52,287,000 | 50,491,000 |