Call reports 2018
STATE BANK OF FAIRMONT — 2018
What STATE BANK OF FAIRMONT 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 | 106,962,000 | 105,608,000 | 107,667,000 | 108,992,000 |
| Total loans | 75,792,000 | 77,625,000 | 78,292,000 | 82,735,000 |
| Allowance for loan losses | 1,335,000 | 1,436,000 | 1,400,000 | 1,414,000 |
| Securities available for sale | 15,142,000 | 16,611,000 | 16,293,000 | 15,376,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,922,000 | 92,759,000 | 94,623,000 | 93,775,000 |
| Interest-bearing deposits | 82,574,000 | 81,019,000 | 81,629,000 | 81,218,000 |
| Noninterest-bearing deposits | 12,348,000 | 11,740,000 | 12,994,000 | 12,557,000 |
| Equity capital | 11,349,000 | 11,239,000 | 11,492,000 | 11,339,000 |
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 | 1,182,000 | 2,377,000 | 3,601,000 | 4,903,000 |
| Interest expense | 182,000 | 388,000 | 622,000 | 900,000 |
| Net interest income | 1,000,000 | 1,989,000 | 2,979,000 | 4,003,000 |
| Noninterest income | 46,000 | 148,000 | 200,000 | 252,000 |
| Noninterest expense | 558,000 | 1,209,000 | 1,722,000 | 2,891,000 |
| Provision for loan losses | 70,000 | 290,000 | 350,000 | 430,000 |
| Pretax income | 418,000 | 638,000 | 1,107,000 | 932,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 417,000 | 637,000 | 1,106,000 | 931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,750,000 | 11,669,000 | 11,995,000 | 11,820,000 |
| Total capital | 12,738,000 | 12,681,000 | 13,021,000 | 12,902,000 |
| Risk-weighted assets | 78,706,000 | 80,546,000 | 81,748,000 | 86,224,000 |
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