Call reports 2020
BANK OF CARBONDALE, THE — 2020
What BANK OF CARBONDALE, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 231,776,000 | 259,714,000 | 261,571,000 | 266,204,000 |
| Total loans | 141,081,000 | 150,119,000 | 147,283,000 | 138,810,000 |
| Allowance for loan losses | 3,246,000 | 3,338,000 | 3,374,000 | 3,420,000 |
| Securities available for sale | 69,236,000 | 84,248,000 | 77,752,000 | 94,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,217,000 | 220,841,000 | 222,166,000 | 226,243,000 |
| Interest-bearing deposits | 167,956,000 | 176,615,000 | 186,885,000 | 190,644,000 |
| Noninterest-bearing deposits | 30,261,000 | 44,226,000 | 35,281,000 | 35,599,000 |
| Equity capital | 31,992,000 | 33,045,000 | 33,711,000 | 34,342,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,085,000 | 4,041,000 | 5,931,000 | 7,786,000 |
| Interest expense | 207,000 | 370,000 | 525,000 | 671,000 |
| Net interest income | 1,878,000 | 3,671,000 | 5,406,000 | 7,115,000 |
| Noninterest income | 299,000 | 738,000 | 1,203,000 | 1,823,000 |
| Noninterest expense | 1,210,000 | 2,463,000 | 3,720,000 | 5,029,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 889,000 | 1,777,000 | 2,816,000 | 3,750,000 |
| Income tax | 207,000 | 444,000 | 685,000 | 911,000 |
| Net income | 682,000 | 1,333,000 | 2,131,000 | 2,839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,597,000 | 32,249,000 | 33,046,000 | 33,755,000 |