Call reports 2019
STATE BANK OF BEMENT — 2019
What STATE BANK OF BEMENT 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 | 105,824,000 | 104,518,000 | 104,323,000 | 105,499,000 |
| Total loans | 66,878,000 | 69,606,000 | 72,944,000 | 73,548,000 |
| Allowance for loan losses | 550,000 | 569,000 | 589,000 | 598,000 |
| Securities available for sale | 17,961,000 | 16,948,000 | 16,107,000 | 14,488,000 |
| Securities held to maturity | 4,091,000 | 3,964,000 | 4,412,000 | 3,821,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,376,000 | 83,834,000 | 86,445,000 | 87,808,000 |
| Interest-bearing deposits | 62,261,000 | 66,308,000 | 69,052,000 | 67,992,000 |
| Noninterest-bearing deposits | 17,115,000 | 17,526,000 | 17,393,000 | 19,816,000 |
| Equity capital | 12,225,000 | 12,384,000 | 12,492,000 | 12,429,000 |
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 | 1,054,000 | 2,147,000 | 3,308,000 | 4,396,000 |
| Interest expense | 181,000 | 375,000 | 566,000 | 738,000 |
| Net interest income | 873,000 | 1,772,000 | 2,742,000 | 3,658,000 |
| Noninterest income | 141,000 | 291,000 | 433,000 | 685,000 |
| Noninterest expense | 877,000 | 1,794,000 | 2,726,000 | 3,692,000 |
| Provision for loan losses | 20,000 | 45,000 | 80,000 | 125,000 |
| Pretax income | 117,000 | 224,000 | 369,000 | 526,000 |
| Income tax | 13,000 | 21,000 | 37,000 | 73,000 |
| Net income | 104,000 | 203,000 | 332,000 | 453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,225,000 | 12,255,000 | 12,300,000 | 12,255,000 |
| Total capital | 12,775,000 | 12,824,000 | 12,889,000 | 12,853,000 |
| Risk-weighted assets | 78,934,000 | 83,591,000 | 82,190,000 | 83,352,000 |