Call reports 2021
BANK OF CARBONDALE, THE — 2021
What BANK OF CARBONDALE, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 276,382,000 | 272,184,000 | 282,425,000 | 280,105,000 |
| Total loans | 138,708,000 | 132,075,000 | 133,607,000 | 125,383,000 |
| Allowance for loan losses | 3,510,000 | 2,250,000 | 2,231,000 | 1,037,000 |
| Securities available for sale | 97,608,000 | 94,168,000 | 116,725,000 | 50,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,162,000 | 231,246,000 | 241,221,000 | 239,159,000 |
| Interest-bearing deposits | 197,761,000 | 190,344,000 | 198,232,000 | 200,384,000 |
| Noninterest-bearing deposits | 39,401,000 | 40,902,000 | 42,989,000 | 38,775,000 |
| Equity capital | 33,238,000 | 35,326,000 | 35,784,000 | 35,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,798,000 | 3,274,000 | 4,934,000 | 6,840,000 |
| Interest expense | 130,000 | 252,000 | 369,000 | 507,000 |
| Net interest income | 1,668,000 | 3,022,000 | 4,565,000 | 6,333,000 |
| Noninterest income | 524,000 | 949,000 | 1,513,000 | 1,806,000 |
| Noninterest expense | 1,169,000 | 2,343,000 | 3,547,000 | 4,620,000 |
| Provision for loan losses | 90,000 | -1,170,000 | -1,170,000 | -2,360,000 |
| Pretax income | 947,000 | 2,178,000 | 3,107,000 | 3,204,000 |
| Income tax | 236,000 | 241,000 | 490,000 | 833,000 |
| Net income | 711,000 | 1,937,000 | 2,617,000 | 2,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,216,000 | 35,441,000 | 36,121,000 | 35,875,000 |