Call reports 2020
BANK OF FINCASTLE, THE — 2020
What BANK OF FINCASTLE, 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 | 223,941,000 | 252,979,000 | 266,961,000 | 255,942,000 |
| Total loans | 172,821,000 | 210,268,000 | 217,417,000 | 202,230,000 |
| Allowance for loan losses | 2,556,000 | 2,754,000 | 2,919,000 | 2,963,000 |
| Securities available for sale | 21,360,000 | 15,534,000 | 15,252,000 | 15,006,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,264,000 | 222,095,000 | 225,499,000 | 224,263,000 |
| Interest-bearing deposits | 125,717,000 | 133,089,000 | 135,570,000 | 135,673,000 |
| Noninterest-bearing deposits | 67,547,000 | 89,006,000 | 89,929,000 | 88,590,000 |
| Equity capital | 28,564,000 | 29,000,000 | 29,465,000 | 29,996,000 |
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 | 2,216,000 | 4,526,000 | 6,962,000 | 9,567,000 |
| Interest expense | 307,000 | 565,000 | 804,000 | 1,030,000 |
| Net interest income | 1,909,000 | 3,961,000 | 6,158,000 | 8,537,000 |
| Noninterest income | 273,000 | 674,000 | 1,010,000 | 1,349,000 |
| Noninterest expense | 2,094,000 | 4,144,000 | 5,945,000 | 7,981,000 |
| Provision for loan losses | 0 | 150,000 | 250,000 | 250,000 |
| Pretax income | 88,000 | 341,000 | 973,000 | 1,655,000 |
| Income tax | 1,000 | 38,000 | 158,000 | 292,000 |
| Net income | 87,000 | 303,000 | 815,000 | 1,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,938,000 | 26,193,000 | 26,982,000 | 27,597,000 |
| Total capital | 28,080,000 | 28,391,000 | 29,253,000 | 29,840,000 |
| Risk-weighted assets | 170,171,000 | 174,587,000 | 180,393,000 | 178,158,000 |