Call reports 2019
BANK OF CARBONDALE, THE — 2019
What BANK OF CARBONDALE, THE 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 | 227,431,000 | 216,062,000 | 246,160,000 | 245,828,000 |
| Total loans | 144,409,000 | 141,989,000 | 146,644,000 | 143,350,000 |
| Allowance for loan losses | 2,198,000 | 2,527,000 | 2,880,000 | 3,155,000 |
| Securities available for sale | 60,754,000 | 54,673,000 | 52,917,000 | 50,555,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,757,000 | 183,719,000 | 214,264,000 | 213,528,000 |
| Interest-bearing deposits | 165,692,000 | 158,335,000 | 187,672,000 | 184,606,000 |
| Noninterest-bearing deposits | 30,065,000 | 25,384,000 | 26,592,000 | 28,922,000 |
| Equity capital | 30,003,000 | 30,906,000 | 30,914,000 | 30,918,000 |
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 | 2,183,000 | 4,294,000 | 6,422,000 | 8,566,000 |
| Interest expense | 182,000 | 366,000 | 563,000 | 781,000 |
| Net interest income | 2,001,000 | 3,928,000 | 5,859,000 | 7,785,000 |
| Noninterest income | 298,000 | 566,000 | 830,000 | 1,145,000 |
| Noninterest expense | 1,211,000 | 2,451,000 | 3,683,000 | 4,925,000 |
| Provision for loan losses | 180,000 | 570,000 | 965,000 | 1,360,000 |
| Pretax income | 930,000 | 1,495,000 | 2,088,000 | 2,692,000 |
| Income tax | 216,000 | 328,000 | 457,000 | 560,000 |
| Net income | 714,000 | 1,167,000 | 1,631,000 | 2,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,377,000 | 30,780,000 | 30,934,000 | 30,915,000 |
| Total capital | 32,305,000 | 32,647,000 | 32,756,000 | 32,717,000 |
| Risk-weighted assets | 154,009,000 | 148,652,000 | 144,700,000 | 142,841,000 |