Call reports 2020
FIRST NATIONAL BANK OF SPARTA, THE — 2020
What FIRST NATIONAL BANK OF SPARTA, THE 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 | 81,168,000 | 92,636,000 | 90,684,000 | 93,017,000 |
| Total loans | 40,156,000 | 44,043,000 | 44,916,000 | 44,561,000 |
| Allowance for loan losses | 537,000 | 566,000 | 591,000 | 611,000 |
| Securities available for sale | 28,206,000 | 33,958,000 | 32,866,000 | 31,874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,004,000 | 72,306,000 | 70,101,000 | 73,184,000 |
| Interest-bearing deposits | 54,646,000 | 58,994,000 | 58,896,000 | 60,461,000 |
| Noninterest-bearing deposits | 11,358,000 | 13,312,000 | 11,205,000 | 12,723,000 |
| Equity capital | 10,998,000 | 11,808,000 | 12,012,000 | 11,366,000 |
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 | 896,000 | 1,806,000 | 2,610,000 | 3,404,000 |
| Interest expense | 64,000 | 127,000 | 185,000 | 251,000 |
| Net interest income | 832,000 | 1,679,000 | 2,425,000 | 3,153,000 |
| Noninterest income | 258,000 | 465,000 | 712,000 | 994,000 |
| Noninterest expense | 659,000 | 1,301,000 | 1,955,000 | 2,664,000 |
| Provision for loan losses | 8,000 | 39,000 | 68,000 | 118,000 |
| Pretax income | 413,000 | 788,000 | 1,079,000 | 1,313,000 |
| Income tax | 1,000 | 7,000 | 12,000 | 15,000 |
| Net income | 412,000 | 781,000 | 1,067,000 | 1,298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,876,000 | 11,172,000 | 11,344,000 | 10,696,000 |
| Total capital | 11,378,000 | 11,741,000 | 11,927,000 | 11,286,000 |
| Risk-weighted assets | 40,151,000 | 46,516,000 | 46,663,000 | 47,175,000 |
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