Call reports 2018
BANK OF CARBONDALE, THE — 2018
What BANK OF CARBONDALE, 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 | 224,595,000 | 222,675,000 | 218,520,000 | 236,137,000 |
| Total loans | 139,684,000 | 140,999,000 | 142,363,000 | 144,579,000 |
| Allowance for loan losses | 2,001,000 | 2,145,000 | 2,013,000 | 2,079,000 |
| Securities available for sale | 67,129,000 | 64,192,000 | 61,086,000 | 57,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,303,000 | 193,762,000 | 189,146,000 | 205,739,000 |
| Interest-bearing deposits | 169,815,000 | 165,381,000 | 159,668,000 | 171,611,000 |
| Noninterest-bearing deposits | 26,488,000 | 28,381,000 | 29,478,000 | 34,128,000 |
| Equity capital | 26,815,000 | 27,360,000 | 27,770,000 | 28,833,000 |
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 | 2,015,000 | 4,082,000 | 6,184,000 | 8,378,000 |
| Interest expense | 179,000 | 352,000 | 528,000 | 720,000 |
| Net interest income | 1,836,000 | 3,730,000 | 5,656,000 | 7,658,000 |
| Noninterest income | 302,000 | 617,000 | 901,000 | 1,189,000 |
| Noninterest expense | 1,136,000 | 2,264,000 | 3,471,000 | 4,766,000 |
| Provision for loan losses | 90,000 | 240,000 | 330,000 | 420,000 |
| Pretax income | 912,000 | 1,843,000 | 2,756,000 | 3,663,000 |
| Income tax | 243,000 | 501,000 | 718,000 | 837,000 |
| Net income | 669,000 | 1,342,000 | 2,038,000 | 2,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,882,000 | 28,444,000 | 29,025,000 | 29,663,000 |
| Total capital | 29,699,000 | 30,273,000 | 30,868,000 | 31,599,000 |
| Risk-weighted assets | 145,253,000 | 146,062,000 | 147,293,000 | 154,784,000 |