Call reports 2020
FORD COUNTY STATE BANK — 2020
What FORD COUNTY STATE 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 | 43,141,000 | 44,317,000 | 44,074,000 | 46,583,000 |
| Total loans | 22,653,000 | 21,248,000 | 19,459,000 | 17,886,000 |
| Allowance for loan losses | 1,194,000 | 1,025,000 | 1,033,000 | 1,004,000 |
| Securities available for sale | 2,018,000 | 5,606,000 | 5,600,000 | 5,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,389,000 | 38,411,000 | 38,098,000 | 40,634,000 |
| Interest-bearing deposits | 30,592,000 | 30,639,000 | 30,282,000 | 31,628,000 |
| Noninterest-bearing deposits | 6,797,000 | 7,772,000 | 7,816,000 | 9,006,000 |
| Equity capital | 5,428,000 | 5,569,000 | 5,623,000 | 5,622,000 |
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 | 428,000 | 799,000 | 1,133,000 | 1,435,000 |
| Interest expense | 48,000 | 85,000 | 122,000 | 157,000 |
| Net interest income | 380,000 | 714,000 | 1,011,000 | 1,278,000 |
| Noninterest income | 20,000 | 29,000 | 41,000 | 53,000 |
| Noninterest expense | 307,000 | 571,000 | 833,000 | 1,121,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 93,000 | 172,000 | 219,000 | 210,000 |
| Income tax | 44,000 | 43,000 | 50,000 | 39,000 |
| Net income | 49,000 | 129,000 | 169,000 | 171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,440,000 | 5,496,000 | 5,536,000 | 5,538,000 |
| Total capital | 5,777,000 | 5,832,000 | 5,826,000 | 5,824,000 |
| Risk-weighted assets | 26,119,000 | 26,219,000 | 22,424,000 | 22,191,000 |