Call reports 2013
R BANK — 2013
What R 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 | 173,627,000 | 184,240,000 | 252,155,000 | 262,376,000 |
| Total loans | 101,202,000 | 127,882,000 | 142,413,000 | 152,373,000 |
| Allowance for loan losses | 1,182,000 | 1,492,000 | 1,601,000 | 1,850,000 |
| Securities available for sale | 46,940,000 | 38,144,000 | 49,040,000 | 59,105,000 |
| Securities held to maturity | 1,121,000 | 1,115,000 | 1,109,000 | 1,103,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,353,000 | 166,186,000 | 229,898,000 | 240,055,000 |
| Interest-bearing deposits | 141,325,000 | 150,799,000 | 185,454,000 | 209,711,000 |
| Noninterest-bearing deposits | 13,028,000 | 15,387,000 | 44,444,000 | 30,344,000 |
| Equity capital | 19,055,000 | 17,905,000 | 21,925,000 | 22,133,000 |
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 | 1,587,000 | 3,445,000 | 5,547,000 | 7,901,000 |
| Interest expense | 375,000 | 770,000 | 1,207,000 | 1,686,000 |
| Net interest income | 1,212,000 | 2,675,000 | 4,340,000 | 6,215,000 |
| Noninterest income | 130,000 | 271,000 | 457,000 | 685,000 |
| Noninterest expense | 1,141,000 | 2,596,000 | 4,162,000 | 5,917,000 |
| Provision for loan losses | 90,000 | 400,000 | 520,000 | 778,000 |
| Pretax income | 231,000 | 72,000 | 229,000 | 319,000 |
| Income tax | 78,000 | 24,000 | 77,000 | 13,000 |
| Net income | 153,000 | 48,000 | 152,000 | 306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,769,000 | 18,323,000 | 20,133,000 | 20,670,000 |
| Total capital | 19,951,000 | 19,815,000 | 21,734,000 | 22,520,000 |
| Risk-weighted assets | 114,321,000 | 133,236,000 | 161,094,000 | 173,064,000 |