Call reports 2020
FIRST NATURALSTATE BANK — 2020
What FIRST NATURALSTATE BANK 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 | 65,009,000 | 66,739,000 | 67,587,000 | 73,922,000 |
| Total loans | 44,924,000 | 49,371,000 | 50,948,000 | 48,973,000 |
| Allowance for loan losses | 450,000 | 456,000 | 542,000 | 542,000 |
| Securities available for sale | 11,521,000 | 10,815,000 | 10,252,000 | 11,067,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,371,000 | 59,722,000 | 60,355,000 | 66,232,000 |
| Interest-bearing deposits | 38,607,000 | 39,802,000 | 40,231,000 | 40,993,000 |
| Noninterest-bearing deposits | 19,764,000 | 19,920,000 | 20,124,000 | 25,239,000 |
| Equity capital | 6,550,000 | 6,850,000 | 7,002,000 | 7,412,000 |
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 | 670,000 | 1,379,000 | 2,112,000 | 2,820,000 |
| Interest expense | 117,000 | 236,000 | 353,000 | 465,000 |
| Net interest income | 553,000 | 1,143,000 | 1,759,000 | 2,355,000 |
| Noninterest income | 44,000 | 63,000 | 93,000 | 356,000 |
| Noninterest expense | 456,000 | 906,000 | 1,343,000 | 2,003,000 |
| Provision for loan losses | 6,000 | 12,000 | 14,000 | 14,000 |
| Pretax income | 135,000 | 288,000 | 495,000 | 694,000 |
| Income tax | 29,000 | 62,000 | 109,000 | 152,000 |
| Net income | 106,000 | 226,000 | 386,000 | 542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,556,000 | 6,676,000 | 6,836,000 | 7,247,000 |
| Total capital | 7,006,000 | 7,132,000 | 7,378,000 | 7,789,000 |
| Risk-weighted assets | 43,987,000 | 48,365,000 | 48,046,000 | 57,828,000 |