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 | 325,770,000 | 331,413,000 | 326,888,000 | 333,547,000 |
| Total loans | 225,066,000 | 227,530,000 | 234,545,000 | 246,212,000 |
| Allowance for loan losses | 3,555,000 | 3,668,000 | 3,492,000 | 2,972,000 |
| Securities available for sale | 19,003,000 | 17,770,000 | 18,358,000 | 16,078,000 |
| Securities held to maturity | 1,657,000 | 1,159,000 | 1,159,000 | 1,159,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,375,000 | 299,760,000 | 295,230,000 | 301,423,000 |
| Interest-bearing deposits | 215,942,000 | 215,874,000 | 211,109,000 | 205,912,000 |
| Noninterest-bearing deposits | 78,433,000 | 83,886,000 | 84,121,000 | 95,511,000 |
| Equity capital | 29,963,000 | 30,126,000 | 30,391,000 | 30,516,000 |
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 | 3,186,000 | 6,396,000 | 9,571,000 | 12,841,000 |
| Interest expense | 480,000 | 942,000 | 1,384,000 | 1,803,000 |
| Net interest income | 2,706,000 | 5,454,000 | 8,187,000 | 11,038,000 |
| Noninterest income | 184,000 | 433,000 | 689,000 | 928,000 |
| Noninterest expense | 2,369,000 | 4,825,000 | 7,256,000 | 9,941,000 |
| Provision for loan losses | 150,000 | 250,000 | 400,000 | 555,000 |
| Pretax income | 371,000 | 812,000 | 1,220,000 | 1,470,000 |
| Income tax | 126,000 | 276,000 | 415,000 | 503,000 |
| Net income | 245,000 | 536,000 | 805,000 | 967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,931,000 | 30,144,000 | 30,381,000 | 30,512,000 |
| Total capital | 32,786,000 | 33,062,000 | 33,371,000 | 33,484,000 |
| Risk-weighted assets | 227,511,000 | 232,709,000 | 238,738,000 | 252,243,000 |