Call reports 2019
BANK OF ST. FRANCISVILLE — 2019
What BANK OF ST. FRANCISVILLE 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 | 135,412,000 | 133,755,000 | 144,172,000 | 153,202,000 |
| Total loans | 101,496,000 | 104,775,000 | 108,553,000 | 107,862,000 |
| Allowance for loan losses | 1,358,000 | 1,479,000 | 1,549,000 | 1,605,000 |
| Securities available for sale | 16,104,000 | 15,943,000 | 15,309,000 | 14,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,264,000 | 115,104,000 | 125,969,000 | 134,108,000 |
| Interest-bearing deposits | 76,440,000 | 75,718,000 | 88,094,000 | 93,736,000 |
| Noninterest-bearing deposits | 40,824,000 | 39,387,000 | 37,875,000 | 40,372,000 |
| Equity capital | 14,333,000 | 14,415,000 | 14,681,000 | 15,882,000 |
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 | 1,739,000 | 3,559,000 | 5,392,000 | 7,397,000 |
| Interest expense | 185,000 | 414,000 | 678,000 | 948,000 |
| Net interest income | 1,554,000 | 3,145,000 | 4,714,000 | 6,449,000 |
| Noninterest income | 430,000 | 657,000 | 887,000 | 1,473,000 |
| Noninterest expense | 1,354,000 | 2,759,000 | 4,077,000 | 5,500,000 |
| Provision for loan losses | 78,000 | 156,000 | 234,000 | 312,000 |
| Pretax income | 552,000 | 887,000 | 1,290,000 | 2,110,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 552,000 | 887,000 | 1,290,000 | 2,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,474,000 | 14,398,000 | 14,592,000 | 15,840,000 |
| Total capital | 15,744,000 | 15,683,000 | 15,942,000 | 17,240,000 |
| Risk-weighted assets | 101,536,000 | 102,638,000 | 107,803,000 | 111,761,000 |