Call reports 2019
ACB BANK — 2019
What ACB 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 | 132,386,000 | 129,792,000 | 129,988,000 | 129,366,000 |
| Total loans | 103,146,000 | 101,934,000 | 100,239,000 | 96,101,000 |
| Allowance for loan losses | 1,945,000 | 1,899,000 | 2,122,000 | 1,198,000 |
| Securities available for sale | 22,117,000 | 20,615,000 | 19,542,000 | 20,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,963,000 | 114,067,000 | 114,344,000 | 114,054,000 |
| Interest-bearing deposits | 98,613,000 | 95,741,000 | 98,274,000 | 95,920,000 |
| Noninterest-bearing deposits | 19,350,000 | 18,326,000 | 16,070,000 | 18,134,000 |
| Equity capital | 11,861,000 | 13,420,000 | 14,140,000 | 13,881,000 |
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 | 1,702,000 | 3,167,000 | 4,865,000 | 6,361,000 |
| Interest expense | 375,000 | 751,000 | 1,135,000 | 1,527,000 |
| Net interest income | 1,327,000 | 2,416,000 | 3,730,000 | 4,834,000 |
| Noninterest income | 156,000 | 341,000 | 573,000 | 779,000 |
| Noninterest expense | 605,000 | 1,252,000 | 1,901,000 | 2,844,000 |
| Provision for loan losses | 304,000 | 583,000 | 807,000 | 1,212,000 |
| Pretax income | 574,000 | 963,000 | 1,662,000 | 1,624,000 |
| Income tax | 0 | 0 | 0 | 79,000 |
| Net income | 574,000 | 963,000 | 1,662,000 | 1,545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,039,000 | 13,248,000 | 13,896,000 | 13,630,000 |
| Total capital | 13,483,000 | 14,670,000 | 15,320,000 | 14,828,000 |
| Risk-weighted assets | 115,022,000 | 113,299,000 | 113,263,000 | 112,487,000 |