Call reports 2018
STATE BANK OF TOWNSEND, THE — 2018
What STATE BANK OF TOWNSEND, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 112,793,000 | 110,909,000 | 108,042,000 | 106,950,000 |
| Total loans | 89,284,000 | 92,134,000 | 92,557,000 | 91,772,000 |
| Allowance for loan losses | 683,000 | 585,000 | 758,000 | 597,000 |
| Securities available for sale | 3,528,000 | 3,425,000 | 2,593,000 | 2,094,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,768,000 | 93,946,000 | 91,692,000 | 92,716,000 |
| Interest-bearing deposits | 67,295,000 | 64,817,000 | 62,761,000 | 61,278,000 |
| Noninterest-bearing deposits | 31,473,000 | 29,129,000 | 28,931,000 | 31,438,000 |
| Equity capital | 13,089,000 | 13,157,000 | 13,312,000 | 12,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,318,000 | 2,697,000 | 4,060,000 | 5,504,000 |
| Interest expense | 74,000 | 126,000 | 197,000 | 276,000 |
| Net interest income | 1,244,000 | 2,571,000 | 3,863,000 | 5,228,000 |
| Noninterest income | 183,000 | 358,000 | 572,000 | 708,000 |
| Noninterest expense | 961,000 | 1,832,000 | 2,856,000 | 4,413,000 |
| Provision for loan losses | 115,000 | 218,000 | 392,000 | 392,000 |
| Pretax income | 351,000 | 879,000 | 1,186,000 | 1,130,000 |
| Income tax | 113,000 | 331,000 | 331,000 | 317,000 |
| Net income | 238,000 | 548,000 | 855,000 | 813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,710,000 | 12,788,000 | 12,952,000 | 11,926,000 |
| Total capital | 13,393,000 | 13,373,000 | 13,710,000 | 12,523,000 |
| Risk-weighted assets | 88,884,000 | 90,558,000 | 84,933,000 | 93,312,000 |