Call reports 2020
FIRST CAHAWBA BANK — 2020
What FIRST CAHAWBA BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 132,110,000 | 144,489,000 | 155,958,000 | 167,619,000 |
| Total loans | 91,182,000 | 98,666,000 | 97,582,000 | 93,900,000 |
| Allowance for loan losses | 924,000 | 961,000 | 960,000 | 962,000 |
| Securities available for sale | 14,820,000 | 15,187,000 | 17,302,000 | 20,441,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,914,000 | 128,846,000 | 140,034,000 | 151,573,000 |
| Interest-bearing deposits | 93,837,000 | 100,198,000 | 106,622,000 | 115,403,000 |
| Noninterest-bearing deposits | 23,077,000 | 28,648,000 | 33,412,000 | 36,170,000 |
| Equity capital | 14,889,000 | 15,369,000 | 15,642,000 | 15,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,408,000 | 3,144,000 | 4,561,000 | 5,858,000 |
| Interest expense | 205,000 | 348,000 | 465,000 | 549,000 |
| Net interest income | 1,203,000 | 2,796,000 | 4,096,000 | 5,309,000 |
| Noninterest income | 100,000 | 184,000 | 270,000 | 357,000 |
| Noninterest expense | 1,050,000 | 2,179,000 | 3,285,000 | 4,380,000 |
| Provision for loan losses | 50,000 | 120,000 | 120,000 | 120,000 |
| Pretax income | 203,000 | 681,000 | 961,000 | 1,166,000 |
| Income tax | 45,000 | 164,000 | 226,000 | 275,000 |
| Net income | 158,000 | 517,000 | 735,000 | 891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,672,000 | 15,035,000 | 15,276,000 | 15,284,000 |
| Total capital | 15,596,000 | 15,996,000 | 16,237,000 | 16,246,000 |
| Risk-weighted assets | 96,719,000 | 104,423,000 | 100,991,000 | 105,073,000 |