Call reports 2019
DURAND STATE BANK — 2019
What DURAND STATE 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 | 103,374,000 | 103,561,000 | 105,849,000 | 106,046,000 |
| Total loans | 65,803,000 | 65,869,000 | 63,144,000 | 62,121,000 |
| Allowance for loan losses | 723,000 | 709,000 | 726,000 | 727,000 |
| Securities available for sale | 26,142,000 | 26,437,000 | 27,116,000 | 26,787,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,513,000 | 91,295,000 | 93,257,000 | 93,598,000 |
| Interest-bearing deposits | 79,406,000 | 77,615,000 | 79,250,000 | 79,225,000 |
| Noninterest-bearing deposits | 12,107,000 | 13,680,000 | 14,007,000 | 14,373,000 |
| Equity capital | 11,093,000 | 11,786,000 | 12,079,000 | 11,980,000 |
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 | 945,000 | 1,924,000 | 2,920,000 | 3,891,000 |
| Interest expense | 202,000 | 406,000 | 624,000 | 829,000 |
| Net interest income | 743,000 | 1,518,000 | 2,296,000 | 3,062,000 |
| Noninterest income | 104,000 | 286,000 | 396,000 | 449,000 |
| Noninterest expense | 640,000 | 1,274,000 | 1,895,000 | 2,513,000 |
| Provision for loan losses | 20,000 | 34,000 | 49,000 | 49,000 |
| Pretax income | 209,000 | 518,000 | 797,000 | 1,043,000 |
| Income tax | 30,000 | 65,000 | 117,000 | 175,000 |
| Net income | 179,000 | 453,000 | 680,000 | 868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,440,000 | 11,713,000 | 11,940,000 | 11,940,000 |
| Total capital | 12,163,000 | 12,422,000 | 12,666,000 | 12,667,000 |
| Risk-weighted assets | 72,243,000 | 71,991,000 | 69,592,000 | 69,782,000 |