Call reports 2019
STATE BANK OF CERRO GORDO — 2019
What STATE BANK OF CERRO GORDO 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 | 28,865,000 | 28,941,000 | 31,074,000 | 29,940,000 |
| Total loans | 12,635,000 | 12,299,000 | 12,557,000 | 13,192,000 |
| Allowance for loan losses | 86,000 | 86,000 | 85,000 | 76,000 |
| Securities available for sale | 6,459,000 | 6,241,000 | 6,457,000 | 7,690,000 |
| Securities held to maturity | 2,164,000 | 1,963,000 | 1,962,000 | 1,821,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,700,000 | 24,634,000 | 26,689,000 | 25,634,000 |
| Interest-bearing deposits | 20,879,000 | 20,651,000 | 22,694,000 | 21,551,000 |
| Noninterest-bearing deposits | 3,821,000 | 3,983,000 | 3,995,000 | 4,083,000 |
| Equity capital | 4,083,000 | 4,189,000 | 4,254,000 | 4,194,000 |
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 | 244,000 | 485,000 | 729,000 | 977,000 |
| Interest expense | 10,000 | 24,000 | 37,000 | 53,000 |
| Net interest income | 234,000 | 461,000 | 692,000 | 924,000 |
| Noninterest income | 30,000 | 63,000 | 94,000 | 126,000 |
| Noninterest expense | 206,000 | 414,000 | 622,000 | 830,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 58,000 | 110,000 | 164,000 | 210,000 |
| Income tax | 9,000 | 17,000 | 25,000 | 30,000 |
| Net income | 49,000 | 93,000 | 139,000 | 180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,669,000 | 3,697,000 | 3,759,000 | 3,700,000 |
| Total capital | 3,759,000 | 3,787,000 | 3,850,000 | 3,781,000 |
| Risk-weighted assets | 15,732,000 | 15,709,000 | 15,286,000 | 16,791,000 |