Call reports 2013
BUSINESS BANK, THE — 2013
What BUSINESS BANK, THE 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 | 252,651,000 | 245,493,000 | 249,651,000 | 266,741,000 |
| Total loans | 173,791,000 | 168,224,000 | 170,510,000 | 165,673,000 |
| Allowance for loan losses | 5,854,000 | 6,154,000 | 6,205,000 | 6,359,000 |
| Securities available for sale | 45,587,000 | 45,806,000 | 53,491,000 | 57,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,975,000 | 211,593,000 | 215,749,000 | 232,810,000 |
| Interest-bearing deposits | 196,618,000 | 186,435,000 | 189,353,000 | 205,318,000 |
| Noninterest-bearing deposits | 22,356,000 | 25,158,000 | 26,397,000 | 27,493,000 |
| Equity capital | 31,618,000 | 31,518,000 | 31,464,000 | 31,563,000 |
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 | 2,287,000 | 4,658,000 | 6,862,000 | 9,078,000 |
| Interest expense | 698,000 | 1,290,000 | 1,876,000 | 2,450,000 |
| Net interest income | 1,589,000 | 3,368,000 | 4,986,000 | 6,628,000 |
| Noninterest income | 7,000 | -31,000 | -77,000 | -92,000 |
| Noninterest expense | 1,241,000 | 2,379,000 | 3,477,000 | 4,578,000 |
| Provision for loan losses | 300,000 | 600,000 | 750,000 | 900,000 |
| Pretax income | 54,000 | 357,000 | 681,000 | 1,057,000 |
| Income tax | 7,000 | 114,000 | 228,000 | 356,000 |
| Net income | 47,000 | 243,000 | 453,000 | 701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,324,000 | 31,521,000 | 31,730,000 | 31,978,000 |
| Total capital | 33,695,000 | 33,872,000 | 34,097,000 | 34,309,000 |
| Risk-weighted assets | 187,696,000 | 184,290,000 | 185,539,000 | 182,441,000 |