Call reports 2020
F & C BANK — 2020
What F & C BANK 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 | 238,203,000 | 256,831,000 | 257,860,000 | 265,441,000 |
| Total loans | 199,794,000 | 209,292,000 | 212,072,000 | 211,015,000 |
| Allowance for loan losses | 3,171,000 | 3,383,000 | 3,457,000 | 3,520,000 |
| Securities available for sale | 12,712,000 | 12,934,000 | 14,228,000 | 17,081,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,197,000 | 223,214,000 | 224,862,000 | 232,315,000 |
| Interest-bearing deposits | 178,747,000 | 187,276,000 | 189,869,000 | 191,025,000 |
| Noninterest-bearing deposits | 27,450,000 | 35,938,000 | 34,994,000 | 41,290,000 |
| Equity capital | 25,771,000 | 27,348,000 | 27,101,000 | 27,690,000 |
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 | 3,019,000 | 6,352,000 | 9,351,000 | 12,311,000 |
| Interest expense | 339,000 | 620,000 | 842,000 | 1,014,000 |
| Net interest income | 2,680,000 | 5,732,000 | 8,509,000 | 11,297,000 |
| Noninterest income | 377,000 | 727,000 | 1,185,000 | 1,642,000 |
| Noninterest expense | 1,778,000 | 3,580,000 | 5,413,000 | 7,356,000 |
| Provision for loan losses | 75,000 | 288,000 | 363,000 | 438,000 |
| Pretax income | 1,204,000 | 2,619,000 | 3,918,000 | 5,167,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,204,000 | 2,619,000 | 3,918,000 | 5,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,478,000 | 26,919,000 | 26,626,000 | 27,245,000 |
| Total capital | 28,002,000 | 29,318,000 | — | — |
| Risk-weighted assets | 201,303,000 | 190,954,000 | — | — |