Call reports 2019
BANK OF EUFAULA — 2019
What BANK OF EUFAULA 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 | 96,803,000 | 96,603,000 | 94,558,000 | 98,684,000 |
| Total loans | 33,207,000 | 33,051,000 | 32,054,000 | 32,182,000 |
| Allowance for loan losses | 404,000 | 425,000 | 421,000 | 334,000 |
| Securities available for sale | 46,636,000 | 46,353,000 | 46,078,000 | 45,612,000 |
| Securities held to maturity | 1,042,000 | 780,000 | 524,000 | 523,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,215,000 | 81,423,000 | 79,111,000 | 83,794,000 |
| Interest-bearing deposits | 60,618,000 | 58,287,000 | 55,868,000 | 61,298,000 |
| Noninterest-bearing deposits | 21,597,000 | 23,136,000 | 23,243,000 | 22,496,000 |
| Equity capital | 12,811,000 | 13,460,000 | 13,782,000 | 13,290,000 |
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 | 847,000 | 1,703,000 | 2,545,000 | 3,376,000 |
| Interest expense | 76,000 | 163,000 | 248,000 | 330,000 |
| Net interest income | 771,000 | 1,540,000 | 2,297,000 | 3,046,000 |
| Noninterest income | 119,000 | 241,000 | 359,000 | 451,000 |
| Noninterest expense | 630,000 | 1,288,000 | 1,925,000 | 3,420,000 |
| Provision for loan losses | -11,000 | 18,000 | 20,000 | -34,000 |
| Pretax income | 271,000 | 475,000 | 711,000 | 111,000 |
| Income tax | 52,000 | 99,000 | 149,000 | 23,000 |
| Net income | 219,000 | 376,000 | 562,000 | 88,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,033,000 | 13,189,000 | 13,376,000 | 12,902,000 |
| Total capital | 13,437,000 | 13,614,000 | 13,797,000 | 13,236,000 |
| Risk-weighted assets | 42,003,000 | 41,492,000 | 40,441,000 | 41,605,000 |