Call reports 2013
STATE BANK OF SAUNEMIN — 2013
What STATE BANK OF SAUNEMIN 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 | 36,283,000 | 35,039,000 | 34,950,000 | 36,488,000 |
| Total loans | 14,733,000 | 13,129,000 | 13,399,000 | 17,956,000 |
| Allowance for loan losses | 234,000 | 210,000 | 216,000 | 222,000 |
| Securities available for sale | 15,373,000 | 14,348,000 | 15,567,000 | 13,859,000 |
| Securities held to maturity | 306,000 | 305,000 | 305,000 | 304,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,207,000 | 32,334,000 | 32,206,000 | 33,120,000 |
| Interest-bearing deposits | 26,738,000 | 26,502,000 | 26,495,000 | 26,481,000 |
| Noninterest-bearing deposits | 6,469,000 | 5,832,000 | 5,711,000 | 6,639,000 |
| Equity capital | 3,050,000 | 2,673,000 | 2,708,000 | 2,602,000 |
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 | 252,000 | 512,000 | 755,000 | 1,024,000 |
| Interest expense | 35,000 | 67,000 | 99,000 | 130,000 |
| Net interest income | 217,000 | 445,000 | 656,000 | 894,000 |
| Noninterest income | 16,000 | 28,000 | 45,000 | 64,000 |
| Noninterest expense | 178,000 | 355,000 | 532,000 | 707,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 49,000 | 106,000 | 151,000 | 232,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 49,000 | 106,000 | 151,000 | 232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,834,000 | 2,865,000 | 2,886,000 | 2,942,000 |
| Total capital | 3,062,000 | 3,073,000 | 3,098,000 | 3,164,000 |
| Risk-weighted assets | 18,216,000 | 16,633,000 | 16,974,000 | 20,896,000 |