Call reports 2019
BANK OF CALHOUN COUNTY — 2019
What BANK OF CALHOUN COUNTY 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 | 66,252,000 | 65,882,000 | 66,805,000 | 66,325,000 |
| Total loans | 35,328,000 | 35,662,000 | 36,064,000 | 36,549,000 |
| Allowance for loan losses | 266,000 | 255,000 | 255,000 | 273,000 |
| Securities available for sale | 9,338,000 | 8,769,000 | 8,132,000 | 7,638,000 |
| Securities held to maturity | 235,000 | 236,000 | 216,000 | 209,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,842,000 | 58,288,000 | 59,726,000 | 59,112,000 |
| Interest-bearing deposits | 44,187,000 | 43,698,000 | 45,953,000 | 44,535,000 |
| Noninterest-bearing deposits | 14,655,000 | 14,591,000 | 13,773,000 | 14,577,000 |
| Equity capital | 6,596,000 | 6,685,000 | 6,718,000 | 6,801,000 |
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 | 553,000 | 1,126,000 | 1,692,000 | 2,262,000 |
| Interest expense | 76,000 | 146,000 | 218,000 | 290,000 |
| Net interest income | 477,000 | 980,000 | 1,474,000 | 1,972,000 |
| Noninterest income | 54,000 | 113,000 | 173,000 | 233,000 |
| Noninterest expense | 395,000 | 805,000 | 1,251,000 | 1,658,000 |
| Provision for loan losses | 0 | 7,000 | 7,000 | 40,000 |
| Pretax income | 136,000 | 281,000 | 389,000 | 507,000 |
| Income tax | 32,000 | 72,000 | 106,000 | 143,000 |
| Net income | 104,000 | 209,000 | 283,000 | 364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,071,000 | 6,162,000 | 6,197,000 | 6,277,000 |
| Total capital | 6,337,000 | 6,417,000 | 6,452,000 | 6,550,000 |
| Risk-weighted assets | 34,345,000 | 34,914,000 | 34,355,000 | 35,209,000 |