Call reports 2013
BIPPUS STATE BANK, THE — 2013
What BIPPUS STATE 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 | 120,890,000 | 118,843,000 | 121,987,000 | 124,954,000 |
| Total loans | 79,192,000 | 83,017,000 | 86,313,000 | 86,565,000 |
| Allowance for loan losses | 1,161,000 | 1,360,000 | 1,362,000 | 533,000 |
| Securities available for sale | 23,702,000 | 27,261,000 | 26,024,000 | 25,489,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,521,000 | 98,169,000 | 100,288,000 | 104,756,000 |
| Interest-bearing deposits | 89,004,000 | 87,762,000 | 87,840,000 | 88,754,000 |
| Noninterest-bearing deposits | 11,517,000 | 10,407,000 | 12,448,000 | 16,002,000 |
| Equity capital | 12,518,000 | 12,068,000 | 12,229,000 | 12,484,000 |
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 | 1,206,000 | 2,337,000 | 3,552,000 | 4,784,000 |
| Interest expense | 140,000 | 265,000 | 376,000 | 475,000 |
| Net interest income | 1,066,000 | 2,072,000 | 3,176,000 | 4,309,000 |
| Noninterest income | 425,000 | 825,000 | 1,210,000 | 1,599,000 |
| Noninterest expense | 1,027,000 | 1,989,000 | 2,985,000 | 4,050,000 |
| Provision for loan losses | 3,000 | 201,000 | 204,000 | 430,000 |
| Pretax income | 461,000 | 724,000 | 1,214,000 | 1,445,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 466,000 | 744,000 | 1,234,000 | 1,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,279,000 | 12,290,000 | 12,703,000 | 12,928,000 |
| Total capital | 13,375,000 | 13,436,000 | 13,896,000 | 13,463,000 |
| Risk-weighted assets | 87,279,000 | 91,333,000 | 95,000,000 | 96,456,000 |