Call reports 2019
GOLDEN BELT BANK, FSA — 2019
What GOLDEN BELT BANK, FSA 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 | 234,657,000 | 237,875,000 | 246,215,000 | 236,842,000 |
| Total loans | 182,373,000 | 189,223,000 | 185,358,000 | 181,998,000 |
| Allowance for loan losses | 1,729,000 | 1,848,000 | 1,947,000 | 2,048,000 |
| Securities available for sale | 32,534,000 | 29,974,000 | 27,657,000 | 29,895,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,169,000 | 187,895,000 | 205,596,000 | 196,404,000 |
| Interest-bearing deposits | 157,139,000 | 154,501,000 | 166,910,000 | 159,518,000 |
| Noninterest-bearing deposits | 36,030,000 | 33,394,000 | 38,686,000 | 36,886,000 |
| Equity capital | 31,369,000 | 32,074,000 | 32,599,000 | 32,721,000 |
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 | 2,482,000 | 5,009,000 | 7,584,000 | 10,108,000 |
| Interest expense | 237,000 | 530,000 | 818,000 | 1,094,000 |
| Net interest income | 2,245,000 | 4,479,000 | 6,766,000 | 9,014,000 |
| Noninterest income | 479,000 | 1,089,000 | 1,884,000 | 2,660,000 |
| Noninterest expense | 1,603,000 | 3,212,000 | 4,894,000 | 6,631,000 |
| Provision for loan losses | 60,000 | 180,000 | 330,000 | 430,000 |
| Pretax income | 1,061,000 | 2,369,000 | 3,656,000 | 4,843,000 |
| Income tax | 32,000 | 74,000 | 116,000 | 160,000 |
| Net income | 1,029,000 | 2,295,000 | 3,540,000 | 4,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,659,000 | 28,363,000 | 28,876,000 | 29,173,000 |
| Total capital | 29,388,000 | 30,211,000 | 30,823,000 | 31,221,000 |
| Risk-weighted assets | 204,164,000 | 203,703,000 | 217,569,000 | 200,389,000 |