Call reports 2019
F & C BANK — 2019
What F & C BANK 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 | 222,438,000 | 228,989,000 | 229,571,000 | 234,223,000 |
| Total loans | 190,762,000 | 194,192,000 | 196,944,000 | 201,826,000 |
| Allowance for loan losses | 2,934,000 | 3,020,000 | 3,098,000 | 3,090,000 |
| Securities available for sale | 12,279,000 | 13,156,000 | 13,086,000 | 12,854,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,951,000 | 191,031,000 | 188,441,000 | 195,023,000 |
| Interest-bearing deposits | 167,614,000 | 168,137,000 | 163,228,000 | 165,332,000 |
| Noninterest-bearing deposits | 22,337,000 | 22,894,000 | 25,213,000 | 29,691,000 |
| Equity capital | 23,776,000 | 23,581,000 | 24,076,000 | 24,530,000 |
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 | 2,921,000 | 5,812,000 | 8,837,000 | 11,954,000 |
| Interest expense | 322,000 | 681,000 | 1,066,000 | 1,440,000 |
| Net interest income | 2,599,000 | 5,131,000 | 7,771,000 | 10,514,000 |
| Noninterest income | 341,000 | 722,000 | 1,125,000 | 1,491,000 |
| Noninterest expense | 1,694,000 | 3,364,000 | 5,126,000 | 7,011,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 250,000 |
| Pretax income | 1,171,000 | 2,339,000 | 3,545,000 | 4,744,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,171,000 | 2,339,000 | 3,545,000 | 4,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,701,000 | 23,369,000 | 23,824,000 | 24,273,000 |
| Total capital | 26,107,000 | 25,871,000 | 26,354,000 | 26,802,000 |
| Risk-weighted assets | 191,951,000 | 199,667,000 | 201,865,000 | 201,796,000 |