Call reports 2017
BANK OF CARBONDALE, THE — 2017
What BANK OF CARBONDALE, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 227,694,000 | 217,190,000 | 247,343,000 | 235,324,000 |
| Total loans | 138,648,000 | 138,933,000 | 139,400,000 | 138,860,000 |
| Allowance for loan losses | 2,056,000 | 1,880,000 | 1,876,000 | 1,941,000 |
| Securities available for sale | 59,321,000 | 60,338,000 | 58,431,000 | 69,665,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,748,000 | 188,837,000 | 218,748,000 | 207,240,000 |
| Interest-bearing deposits | 169,701,000 | 162,629,000 | 189,379,000 | 173,408,000 |
| Noninterest-bearing deposits | 29,047,000 | 26,208,000 | 29,369,000 | 33,832,000 |
| Equity capital | 27,577,000 | 27,164,000 | 27,391,000 | 26,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,941,000 | 3,885,000 | 5,896,000 | 7,955,000 |
| Interest expense | 175,000 | 344,000 | 509,000 | 694,000 |
| Net interest income | 1,766,000 | 3,541,000 | 5,387,000 | 7,261,000 |
| Noninterest income | 306,000 | 665,000 | 1,040,000 | 1,336,000 |
| Noninterest expense | 1,195,000 | 2,374,000 | 3,538,000 | 5,025,000 |
| Provision for loan losses | 0 | 70,000 | 260,000 | 350,000 |
| Pretax income | 881,000 | 1,766,000 | 2,632,000 | 3,225,000 |
| Income tax | 273,000 | 547,000 | 814,000 | 1,224,000 |
| Net income | 608,000 | 1,219,000 | 1,818,000 | 2,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,986,000 | 27,165,000 | 27,436,000 | 27,523,000 |
| Total capital | 29,862,000 | 29,015,000 | 29,274,000 | 29,387,000 |
| Risk-weighted assets | 149,921,000 | 147,999,000 | 147,049,000 | 149,103,000 |