Call reports 2018
DURAND STATE BANK — 2018
What DURAND STATE BANK 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 | 96,329,000 | 104,820,000 | 103,965,000 | 102,333,000 |
| Total loans | 59,466,000 | 66,585,000 | 67,254,000 | 66,111,000 |
| Allowance for loan losses | 616,000 | 681,000 | 711,000 | 700,000 |
| Securities available for sale | 26,947,000 | 25,251,000 | 24,871,000 | 25,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,188,000 | 91,854,000 | 88,415,000 | 89,180,000 |
| Interest-bearing deposits | 73,100,000 | 78,027,000 | 76,047,000 | 76,447,000 |
| Noninterest-bearing deposits | 12,088,000 | 13,828,000 | 12,368,000 | 12,733,000 |
| Equity capital | 9,939,000 | 10,290,000 | 10,379,000 | 10,607,000 |
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 | 836,000 | 1,754,000 | 2,708,000 | 3,683,000 |
| Interest expense | 115,000 | 251,000 | 418,000 | 614,000 |
| Net interest income | 721,000 | 1,503,000 | 2,290,000 | 3,069,000 |
| Noninterest income | 92,000 | 181,000 | 309,000 | 407,000 |
| Noninterest expense | 600,000 | 1,203,000 | 1,812,000 | 2,432,000 |
| Provision for loan losses | 6,000 | 58,000 | 87,000 | 108,000 |
| Pretax income | 211,000 | 395,000 | 672,000 | 908,000 |
| Income tax | 33,000 | 65,000 | 122,000 | 175,000 |
| Net income | 178,000 | 330,000 | 550,000 | 733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,692,000 | 11,035,000 | 11,254,000 | 11,261,000 |
| Total capital | 11,308,000 | 11,716,000 | 11,965,000 | 11,961,000 |
| Risk-weighted assets | 66,801,000 | 73,311,000 | 73,748,000 | 71,775,000 |