Call reports 2019
FORD COUNTY STATE BANK — 2019
What FORD COUNTY 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 | 40,405,000 | 39,628,000 | 38,742,000 | 40,564,000 |
| Total loans | 26,525,000 | 28,297,000 | 27,434,000 | 25,120,000 |
| Allowance for loan losses | 549,000 | 565,000 | 1,143,000 | 1,167,000 |
| Securities available for sale | 3,111,000 | 2,838,000 | 1,980,000 | 2,062,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,789,000 | 33,734,000 | 33,241,000 | 34,987,000 |
| Interest-bearing deposits | 29,082,000 | 28,623,000 | 27,724,000 | 28,757,000 |
| Noninterest-bearing deposits | 5,706,000 | 5,111,000 | 5,517,000 | 6,230,000 |
| Equity capital | 5,319,000 | 5,563,000 | 5,197,000 | 5,265,000 |
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 | 490,000 | 952,000 | 1,379,000 | 1,892,000 |
| Interest expense | 42,000 | 88,000 | 136,000 | 183,000 |
| Net interest income | 448,000 | 864,000 | 1,243,000 | 1,709,000 |
| Noninterest income | 22,000 | 45,000 | 75,000 | 97,000 |
| Noninterest expense | 250,000 | 462,000 | 666,000 | 907,000 |
| Provision for loan losses | 0 | 0 | 700,000 | 700,000 |
| Pretax income | 220,000 | 447,000 | -48,000 | 199,000 |
| Income tax | 56,000 | 112,000 | -7,000 | 170,000 |
| Net income | 164,000 | 335,000 | -41,000 | 29,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,319,000 | 5,543,000 | 5,167,000 | 5,237,000 |
| Total capital | 5,702,000 | 5,938,000 | 5,544,000 | 5,611,000 |
| Risk-weighted assets | 30,544,000 | 31,432,000 | 29,420,000 | 29,109,000 |