Call reports 2018
BANK OF ST. FRANCISVILLE — 2018
What BANK OF ST. FRANCISVILLE 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 | 135,171,000 | 135,985,000 | 131,065,000 | 132,947,000 |
| Total loans | 92,807,000 | 93,192,000 | 94,774,000 | 99,977,000 |
| Allowance for loan losses | 1,221,000 | 1,246,000 | 1,319,000 | 1,377,000 |
| Securities available for sale | 19,408,000 | 19,449,000 | 18,266,000 | 16,157,000 |
| Securities held to maturity | 250,000 | 250,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,948,000 | 114,513,000 | 114,120,000 | 113,256,000 |
| Interest-bearing deposits | 72,016,000 | 70,911,000 | 72,231,000 | 73,905,000 |
| Noninterest-bearing deposits | 41,932,000 | 43,602,000 | 41,889,000 | 39,351,000 |
| Equity capital | 12,611,000 | 12,656,000 | 12,947,000 | 14,033,000 |
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 | 1,593,000 | 3,249,000 | 4,919,000 | 6,691,000 |
| Interest expense | 105,000 | 232,000 | 370,000 | 525,000 |
| Net interest income | 1,488,000 | 3,017,000 | 4,549,000 | 6,166,000 |
| Noninterest income | 248,000 | 525,000 | 819,000 | 1,027,000 |
| Noninterest expense | 1,294,000 | 2,610,000 | 3,927,000 | 5,229,000 |
| Provision for loan losses | 45,000 | 90,000 | 170,000 | 248,000 |
| Pretax income | 397,000 | 842,000 | 1,271,000 | 1,625,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 397,000 | 842,000 | 1,271,000 | 1,625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,107,000 | 13,152,000 | 13,581,000 | 14,385,000 |
| Total capital | 14,328,000 | 14,398,000 | 14,816,000 | 15,643,000 |
| Risk-weighted assets | 100,061,000 | 100,099,000 | 98,720,000 | 100,504,000 |