Call reports 2020
BANK OF CALHOUN COUNTY — 2020
What BANK OF CALHOUN COUNTY 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 | 66,862,000 | 70,642,000 | 72,427,000 | 74,827,000 |
| Total loans | 36,593,000 | 38,006,000 | 37,853,000 | 39,106,000 |
| Allowance for loan losses | 273,000 | 273,000 | 273,000 | 281,000 |
| Securities available for sale | 8,781,000 | 8,351,000 | 6,231,000 | 5,768,000 |
| Securities held to maturity | 229,000 | 206,000 | 198,000 | 197,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,411,000 | 62,062,000 | 63,859,000 | 66,330,000 |
| Interest-bearing deposits | 43,368,000 | 44,997,000 | 47,018,000 | 47,995,000 |
| Noninterest-bearing deposits | 16,043,000 | 17,065,000 | 16,841,000 | 18,335,000 |
| Equity capital | 6,955,000 | 6,994,000 | 6,981,000 | 7,062,000 |
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 | 550,000 | 1,133,000 | 1,683,000 | 2,218,000 |
| Interest expense | 72,000 | 143,000 | 210,000 | 268,000 |
| Net interest income | 478,000 | 990,000 | 1,473,000 | 1,950,000 |
| Noninterest income | 48,000 | 94,000 | 141,000 | 237,000 |
| Noninterest expense | 392,000 | 806,000 | 1,224,000 | 1,665,000 |
| Provision for loan losses | 0 | 0 | 0 | 7,000 |
| Pretax income | 134,000 | 278,000 | 390,000 | 515,000 |
| Income tax | 34,000 | 73,000 | 107,000 | 136,000 |
| Net income | 100,000 | 205,000 | 283,000 | 379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,342,000 | 6,528,000 | 6,542,000 | 6,798,000 |
| Total capital | 6,615,000 | 6,801,000 | — | — |
| Risk-weighted assets | 35,507,000 | 36,420,000 | — | — |