Call reports 2019
BANKGLOUCESTER — 2019
What BANKGLOUCESTER 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 | 270,861,000 | 279,063,000 | 278,540,000 | 277,847,000 |
| Total loans | 233,675,000 | 234,044,000 | 236,664,000 | 235,781,000 |
| Allowance for loan losses | 1,736,000 | 1,794,000 | 1,857,000 | 1,919,000 |
| Securities available for sale | 22,704,000 | 22,914,000 | 23,102,000 | 21,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,614,000 | 233,374,000 | 233,255,000 | 233,424,000 |
| Interest-bearing deposits | 197,197,000 | 205,721,000 | 203,485,000 | 207,546,000 |
| Noninterest-bearing deposits | 26,417,000 | 27,653,000 | 29,770,000 | 25,878,000 |
| Equity capital | 22,626,000 | 23,157,000 | 23,627,000 | 23,947,000 |
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 | 3,163,000 | 6,372,000 | 9,662,000 | 12,880,000 |
| Interest expense | 784,000 | 1,601,000 | 2,432,000 | 3,241,000 |
| Net interest income | 2,379,000 | 4,771,000 | 7,230,000 | 9,639,000 |
| Noninterest income | 221,000 | 535,000 | 836,000 | 1,193,000 |
| Noninterest expense | 2,071,000 | 4,086,000 | 6,159,000 | 8,402,000 |
| Provision for loan losses | 30,000 | 90,000 | 157,000 | 223,000 |
| Pretax income | 498,000 | 1,127,000 | 1,750,000 | 2,207,000 |
| Income tax | 132,000 | 305,000 | 474,000 | 602,000 |
| Net income | 366,000 | 822,000 | 1,276,000 | 1,605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,606,000 | 23,064,000 | 23,528,000 | 23,863,000 |
| Total capital | 24,342,000 | 24,858,000 | 25,385,000 | 25,782,000 |
| Risk-weighted assets | 191,582,000 | 190,290,000 | 197,392,000 | 197,475,000 |