Call reports 2020
FIRST NATIONAL BANK OF CARMI, THE — 2020
What FIRST NATIONAL BANK OF CARMI, THE 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 | 426,794,000 | 460,784,000 | 467,381,000 | 569,020,000 |
| Total loans | 268,377,000 | 305,413,000 | 305,477,000 | 347,090,000 |
| Allowance for loan losses | 3,842,000 | 4,086,000 | 4,278,000 | 4,432,000 |
| Securities available for sale | 72,844,000 | 64,636,000 | 63,772,000 | 66,242,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,491,000 | 414,264,000 | 420,872,000 | 510,151,000 |
| Interest-bearing deposits | 259,780,000 | 272,828,000 | 279,343,000 | 350,743,000 |
| Noninterest-bearing deposits | 122,711,000 | 141,436,000 | 141,529,000 | 159,408,000 |
| Equity capital | 42,156,000 | 43,018,000 | 43,142,000 | 56,626,000 |
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 | 3,984,000 | 8,060,000 | 11,898,000 | 16,535,000 |
| Interest expense | 602,000 | 1,078,000 | 1,525,000 | 1,954,000 |
| Net interest income | 3,382,000 | 6,982,000 | 10,373,000 | 14,581,000 |
| Noninterest income | 911,000 | 1,899,000 | 3,056,000 | 4,163,000 |
| Noninterest expense | 3,232,000 | 6,734,000 | 10,152,000 | 14,209,000 |
| Provision for loan losses | 0 | 200,000 | 394,000 | 659,000 |
| Pretax income | 1,065,000 | 1,954,000 | 2,890,000 | 3,890,000 |
| Income tax | 273,000 | 453,000 | 694,000 | 932,000 |
| Net income | 792,000 | 1,501,000 | 2,196,000 | 2,958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,160,000 | 39,526,000 | 39,819,000 | 46,002,000 |
| Total capital | 42,822,000 | 43,148,000 | 43,509,000 | 50,483,000 |
| Risk-weighted assets | 292,710,000 | 289,250,000 | 294,460,000 | 365,438,000 |