Call reports 2018
OUR COMMUNITY BANK — 2018
What OUR COMMUNITY BANK 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 | 71,487,000 | 72,850,000 | 73,341,000 | 72,394,000 |
| Total loans | 51,282,000 | 52,347,000 | 51,807,000 | 52,786,000 |
| Allowance for loan losses | 475,000 | 484,000 | 509,000 | 515,000 |
| Securities available for sale | 10,763,000 | 9,977,000 | 9,601,000 | 9,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,879,000 | 50,357,000 | 53,437,000 | 54,402,000 |
| Interest-bearing deposits | 42,019,000 | 37,670,000 | 44,613,000 | 44,599,000 |
| Noninterest-bearing deposits | 9,860,000 | 12,687,000 | 8,824,000 | 9,803,000 |
| Equity capital | 8,361,000 | 8,215,000 | 8,134,000 | 8,195,000 |
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 | 810,000 | 1,607,000 | 2,424,000 | 3,249,000 |
| Interest expense | 121,000 | 263,000 | 432,000 | 622,000 |
| Net interest income | 689,000 | 1,344,000 | 1,992,000 | 2,627,000 |
| Noninterest income | 92,000 | 181,000 | 268,000 | 366,000 |
| Noninterest expense | 672,000 | 1,601,000 | 2,284,000 | 2,928,000 |
| Provision for loan losses | 15,000 | 27,000 | 47,000 | 68,000 |
| Pretax income | 94,000 | -103,000 | -71,000 | -3,000 |
| Income tax | -12,000 | -129,000 | -157,000 | -175,000 |
| Net income | 106,000 | 26,000 | 86,000 | 172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,454,000 | 8,314,000 | 8,265,000 | 8,275,000 |
| Total capital | 8,929,000 | 8,798,000 | 8,774,000 | 8,787,000 |
| Risk-weighted assets | 41,134,000 | 39,907,000 | 40,728,000 | 40,833,000 |