Call reports 2020
BANK OF EUFAULA — 2020
What BANK OF EUFAULA 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 | 99,149,000 | 102,536,000 | 99,551,000 | 108,426,000 |
| Total loans | 31,794,000 | 31,674,000 | 29,868,000 | 29,855,000 |
| Allowance for loan losses | 329,000 | 363,000 | 379,000 | 376,000 |
| Securities available for sale | 47,388,000 | 49,920,000 | 47,157,000 | 45,490,000 |
| Securities held to maturity | 522,000 | 262,000 | 261,000 | 261,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,317,000 | 86,463,000 | 83,453,000 | 93,354,000 |
| Interest-bearing deposits | 59,718,000 | 61,334,000 | 58,001,000 | 64,413,000 |
| Noninterest-bearing deposits | 23,599,000 | 25,129,000 | 25,452,000 | 28,941,000 |
| Equity capital | 14,239,000 | 14,485,000 | 14,560,000 | 13,740,000 |
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 | 873,000 | 1,652,000 | 2,431,000 | 3,088,000 |
| Interest expense | 85,000 | 144,000 | 196,000 | 238,000 |
| Net interest income | 788,000 | 1,508,000 | 2,235,000 | 2,850,000 |
| Noninterest income | 115,000 | 238,000 | 354,000 | 472,000 |
| Noninterest expense | 636,000 | 1,269,000 | 1,865,000 | 3,261,000 |
| Provision for loan losses | 9,000 | 46,000 | 79,000 | 203,000 |
| Pretax income | 258,000 | 431,000 | 645,000 | -142,000 |
| Income tax | 52,000 | 92,000 | 137,000 | -37,000 |
| Net income | 206,000 | 339,000 | 508,000 | -105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,036,000 | 13,168,000 | 13,338,000 | 12,725,000 |