Call reports 2019
FIRST TRI-COUNTY BANK — 2019
What FIRST TRI-COUNTY BANK 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 | 51,713,000 | 51,822,000 | 55,109,000 | 53,616,000 |
| Total loans | 44,109,000 | 45,133,000 | 47,802,000 | 47,076,000 |
| Allowance for loan losses | 340,000 | 340,000 | 340,000 | 350,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,652,000 | 2,567,000 | 2,143,000 | 1,438,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,576,000 | 45,369,000 | 45,629,000 | 46,304,000 |
| Interest-bearing deposits | 34,804,000 | 35,078,000 | 35,559,000 | 34,859,000 |
| Noninterest-bearing deposits | 10,772,000 | 10,291,000 | 10,070,000 | 11,445,000 |
| Equity capital | 5,935,000 | 6,057,000 | 6,177,000 | 6,104,000 |
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 | 537,000 | 1,109,000 | 1,732,000 | 2,356,000 |
| Interest expense | 63,000 | 135,000 | 226,000 | 338,000 |
| Net interest income | 474,000 | 974,000 | 1,506,000 | 2,018,000 |
| Noninterest income | 22,000 | 41,000 | 63,000 | 95,000 |
| Noninterest expense | 418,000 | 795,000 | 1,209,000 | 1,816,000 |
| Provision for loan losses | 112,000 | 112,000 | 112,000 | 122,000 |
| Pretax income | -34,000 | 108,000 | 248,000 | 175,000 |
| Income tax | 15,000 | 35,000 | 56,000 | 56,000 |
| Net income | -49,000 | 73,000 | 192,000 | 119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,460,000 | 5,583,000 | 5,702,000 | 5,629,000 |
| Total capital | 5,800,000 | 5,923,000 | 6,042,000 | 5,979,000 |
| Risk-weighted assets | 42,853,000 | 43,258,000 | 45,505,000 | 45,068,000 |
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