Call reports 2019
POTTER STATE BANK OF POTTER, THE — 2019
What POTTER STATE BANK OF POTTER, 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 | 39,587,000 | 40,845,000 | 41,858,000 | 41,869,000 |
| Total loans | 17,327,000 | 18,714,000 | 19,787,000 | 19,129,000 |
| Allowance for loan losses | 240,000 | 241,000 | 244,000 | 251,000 |
| Securities available for sale | 10,533,000 | 11,035,000 | 9,851,000 | 9,202,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,651,000 | 33,749,000 | 35,245,000 | 35,132,000 |
| Interest-bearing deposits | 27,739,000 | 27,871,000 | 28,399,000 | 28,413,000 |
| Noninterest-bearing deposits | 5,912,000 | 5,878,000 | 6,846,000 | 6,719,000 |
| Equity capital | 5,702,000 | 5,857,000 | 6,003,000 | 6,087,000 |
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 | 409,000 | 829,000 | 1,312,000 | 1,756,000 |
| Interest expense | 49,000 | 100,000 | 167,000 | 224,000 |
| Net interest income | 360,000 | 729,000 | 1,145,000 | 1,532,000 |
| Noninterest income | 29,000 | 55,000 | 84,000 | 132,000 |
| Noninterest expense | 289,000 | 576,000 | 861,000 | 1,186,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 98,000 | 206,000 | 368,000 | 476,000 |
| Income tax | 15,000 | 32,000 | 59,000 | 70,000 |
| Net income | 83,000 | 174,000 | 309,000 | 406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,726,000 | 5,817,000 | 5,952,000 | 6,034,000 |
| Total capital | 5,966,000 | 6,058,000 | 6,196,000 | 6,285,000 |
| Risk-weighted assets | 25,216,000 | 27,023,000 | 27,364,000 | 26,890,000 |