Call reports 2018
FIRST NATIONAL BANK OF CARMI, THE — 2018
What FIRST NATIONAL BANK OF CARMI, THE 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 | 404,807,000 | 394,120,000 | 401,642,000 | 405,483,000 |
| Total loans | 288,723,000 | 289,511,000 | 289,354,000 | 282,528,000 |
| Allowance for loan losses | 2,382,000 | 2,909,000 | 3,452,000 | 3,516,000 |
| Securities available for sale | 48,761,000 | 46,879,000 | 45,447,000 | 45,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 365,778,000 | 354,615,000 | 362,163,000 | 364,650,000 |
| Interest-bearing deposits | 274,621,000 | 261,677,000 | 258,508,000 | 250,359,000 |
| Noninterest-bearing deposits | 91,157,000 | 92,938,000 | 103,655,000 | 114,291,000 |
| Equity capital | 37,737,000 | 38,157,000 | 38,548,000 | 38,672,000 |
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 | 3,869,000 | 7,934,000 | 12,092,000 | 16,342,000 |
| Interest expense | 266,000 | 571,000 | 944,000 | 1,396,000 |
| Net interest income | 3,603,000 | 7,363,000 | 11,148,000 | 14,946,000 |
| Noninterest income | 666,000 | 1,727,000 | 2,713,000 | 3,745,000 |
| Noninterest expense | 2,853,000 | 5,893,000 | 8,852,000 | 13,052,000 |
| Provision for loan losses | 234,000 | 736,000 | 1,358,000 | 1,652,000 |
| Pretax income | 1,182,000 | 2,461,000 | 3,651,000 | 3,987,000 |
| Income tax | 282,000 | 623,000 | 941,000 | 980,000 |
| Net income | 900,000 | 1,838,000 | 2,710,000 | 3,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,136,000 | 36,744,000 | 37,208,000 | 37,154,000 |
| Total capital | 38,881,000 | 39,696,000 | 40,703,000 | 40,713,000 |
| Risk-weighted assets | 307,068,000 | 315,461,000 | 314,595,000 | 304,471,000 |