Call reports 2013
BENCHMARK COMMUNITY BANK — 2013
What BENCHMARK 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 | 453,053,000 | 445,857,000 | 455,243,000 | 463,839,000 |
| Total loans | 337,115,000 | 345,855,000 | 347,562,000 | 351,735,000 |
| Allowance for loan losses | 4,797,000 | 4,774,000 | 4,694,000 | 4,670,000 |
| Securities available for sale | 34,322,000 | 33,429,000 | 34,605,000 | 36,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 3,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 400,490,000 | 393,753,000 | 400,903,000 | 410,210,000 |
| Interest-bearing deposits | 332,887,000 | 332,313,000 | 336,291,000 | 344,263,000 |
| Noninterest-bearing deposits | 67,603,000 | 61,440,000 | 64,612,000 | 65,947,000 |
| Equity capital | 49,138,000 | 49,194,000 | 50,628,000 | 50,767,000 |
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 | 5,378,000 | 10,782,000 | 16,292,000 | 21,782,000 |
| Interest expense | 874,000 | 1,672,000 | 2,445,000 | 3,188,000 |
| Net interest income | 4,504,000 | 9,110,000 | 13,847,000 | 18,594,000 |
| Noninterest income | 1,205,000 | 2,398,000 | 3,658,000 | 4,825,000 |
| Noninterest expense | 3,529,000 | 6,896,000 | 10,508,000 | 14,680,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,180,000 | 4,636,000 | 7,021,000 | 8,763,000 |
| Income tax | 631,000 | 1,377,000 | 2,089,000 | 2,512,000 |
| Net income | 1,549,000 | 3,259,000 | 4,932,000 | 6,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,984,000 | 48,663,000 | 50,338,000 | 50,556,000 |
| Total capital | 51,782,000 | 52,544,000 | 54,236,000 | 54,481,000 |
| Risk-weighted assets | 302,862,000 | 309,616,000 | 311,061,000 | 313,320,000 |