Call reports 2020
FIRST STATE BANK OF DEKALB COUNTY, INC. — 2020
What FIRST STATE BANK OF DEKALB COUNTY, INC. 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 | 198,619,000 | 223,296,000 | 232,165,000 | 248,248,000 |
| Total loans | 113,567,000 | 119,686,000 | 120,751,000 | 119,192,000 |
| Allowance for loan losses | 1,183,000 | 1,303,000 | 1,431,000 | 1,502,000 |
| Securities available for sale | 32,131,000 | 31,506,000 | 39,769,000 | 45,741,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,923,000 | 197,927,000 | 205,788,000 | 221,794,000 |
| Interest-bearing deposits | 116,242,000 | 122,928,000 | 131,311,000 | 144,513,000 |
| Noninterest-bearing deposits | 57,681,000 | 74,999,000 | 74,477,000 | 77,281,000 |
| Equity capital | 23,751,000 | 24,702,000 | 25,569,000 | 25,715,000 |
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 | 2,336,000 | 4,711,000 | 7,289,000 | 9,405,000 |
| Interest expense | 245,000 | 463,000 | 671,000 | 869,000 |
| Net interest income | 2,091,000 | 4,248,000 | 6,618,000 | 8,536,000 |
| Noninterest income | 148,000 | 370,000 | 668,000 | 896,000 |
| Noninterest expense | 1,313,000 | 2,705,000 | 4,040,000 | 5,713,000 |
| Provision for loan losses | 315,000 | 465,000 | 615,000 | 715,000 |
| Pretax income | 611,000 | 1,447,000 | 2,630,000 | 3,003,000 |
| Income tax | 127,000 | 273,000 | 531,000 | 566,000 |
| Net income | 484,000 | 1,174,000 | 2,099,000 | 2,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,469,000 | 21,336,000 | 22,176,000 | 22,432,000 |
| Total capital | 22,652,000 | 22,639,000 | 23,607,000 | 23,934,000 |
| Risk-weighted assets | 140,033,000 | 150,269,000 | 155,188,000 | 157,541,000 |