Call reports 2019
STANDING STONE BANK — 2019
What STANDING STONE 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 | 104,223,000 | 102,693,000 | 102,454,000 | 101,955,000 |
| Total loans | 78,114,000 | 78,310,000 | 75,751,000 | 76,040,000 |
| Allowance for loan losses | 745,000 | 734,000 | 732,000 | 727,000 |
| Securities available for sale | 14,174,000 | 14,233,000 | 13,899,000 | 14,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,688,000 | 82,306,000 | 83,729,000 | 80,999,000 |
| Interest-bearing deposits | 65,161,000 | 67,425,000 | 67,039,000 | 64,833,000 |
| Noninterest-bearing deposits | 17,527,000 | 14,881,000 | 16,690,000 | 16,166,000 |
| Equity capital | 8,647,000 | 8,931,000 | 9,088,000 | 9,241,000 |
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 | 1,163,000 | 2,289,000 | 3,439,000 | 4,555,000 |
| Interest expense | 245,000 | 489,000 | 725,000 | 943,000 |
| Net interest income | 918,000 | 1,800,000 | 2,714,000 | 3,612,000 |
| Noninterest income | 219,000 | 469,000 | 714,000 | 967,000 |
| Noninterest expense | 902,000 | 1,838,000 | 2,734,000 | 3,603,000 |
| Provision for loan losses | 10,000 | 10,000 | 30,000 | 70,000 |
| Pretax income | 225,000 | 421,000 | 664,000 | 919,000 |
| Income tax | 41,000 | 76,000 | 120,000 | 168,000 |
| Net income | 184,000 | 345,000 | 544,000 | 751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,833,000 | 8,959,000 | 9,066,000 | 9,238,000 |
| Total capital | 9,578,000 | 9,693,000 | 9,798,000 | 9,965,000 |
| Risk-weighted assets | 76,546,000 | 75,620,000 | 73,441,000 | 73,277,000 |