Call reports 2019
OUR COMMUNITY BANK — 2019
What OUR COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 72,485,000 | 71,561,000 | 72,300,000 | 72,703,000 |
| Total loans | 52,877,000 | 53,232,000 | 54,096,000 | 54,197,000 |
| Allowance for loan losses | 507,000 | 504,000 | 505,000 | 510,000 |
| Securities available for sale | 8,931,000 | 8,902,000 | 8,391,000 | 8,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,371,000 | 53,328,000 | 52,981,000 | 53,319,000 |
| Interest-bearing deposits | 44,613,000 | 43,679,000 | 43,229,000 | 43,060,000 |
| Noninterest-bearing deposits | 9,758,000 | 9,649,000 | 9,752,000 | 10,259,000 |
| Equity capital | 8,291,000 | 8,423,000 | 8,471,000 | 8,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 827,000 | 1,717,000 | 2,567,000 | 3,424,000 |
| Interest expense | 177,000 | 355,000 | 538,000 | 719,000 |
| Net interest income | 650,000 | 1,362,000 | 2,029,000 | 2,705,000 |
| Noninterest income | 102,000 | 220,000 | 341,000 | 461,000 |
| Noninterest expense | 660,000 | 1,341,000 | 2,000,000 | 2,649,000 |
| Provision for loan losses | 10,000 | 27,000 | 42,000 | 57,000 |
| Pretax income | 82,000 | 214,000 | 328,000 | 460,000 |
| Income tax | -13,000 | -17,000 | -23,000 | -25,000 |
| Net income | 95,000 | 231,000 | 351,000 | 485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,291,000 | 8,386,000 | 8,416,000 | 8,470,000 |
| Total capital | 8,798,000 | 8,890,000 | 8,921,000 | 8,980,000 |
| Risk-weighted assets | 41,854,000 | 41,658,000 | 45,369,000 | 40,664,000 |