Call reports 2018
F & C BANK — 2018
What F & C BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 219,954,000 | 217,706,000 | 219,969,000 | 222,158,000 |
| Total loans | 178,381,000 | 186,677,000 | 188,779,000 | 188,728,000 |
| Allowance for loan losses | 2,556,000 | 2,659,000 | 2,793,000 | 2,855,000 |
| Securities available for sale | 12,565,000 | 12,471,000 | 12,252,000 | 12,326,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,690,000 | 189,013,000 | 180,108,000 | 184,814,000 |
| Interest-bearing deposits | 167,087,000 | 164,271,000 | 157,813,000 | 159,764,000 |
| Noninterest-bearing deposits | 25,603,000 | 24,742,000 | 22,295,000 | 25,050,000 |
| Equity capital | 21,184,000 | 21,298,000 | 21,835,000 | 22,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,594,000 | 5,304,000 | 8,083,000 | 10,918,000 |
| Interest expense | 195,000 | 384,000 | 648,000 | 969,000 |
| Net interest income | 2,399,000 | 4,920,000 | 7,435,000 | 9,949,000 |
| Noninterest income | 318,000 | 659,000 | 1,007,000 | 1,349,000 |
| Noninterest expense | 1,600,000 | 3,241,000 | 4,906,000 | 6,663,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 1,012,000 | 2,128,000 | 3,221,000 | 4,182,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,012,000 | 2,128,000 | 3,221,000 | 4,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,308,000 | 21,432,000 | 22,037,000 | 22,530,000 |
| Total capital | 23,549,000 | 23,753,000 | 24,383,000 | 24,909,000 |
| Risk-weighted assets | 178,988,000 | 185,303,000 | 187,258,000 | 189,828,000 |