Call reports 2019
BANK OF ERATH — 2019
What BANK OF ERATH 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 | 103,142,000 | 100,411,000 | 99,425,000 | 99,932,000 |
| Total loans | 70,088,000 | 73,093,000 | 73,061,000 | 69,200,000 |
| Allowance for loan losses | 601,000 | 607,000 | 608,000 | 706,000 |
| Securities available for sale | 13,315,000 | 14,317,000 | 13,050,000 | 14,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,230,000 | 86,102,000 | 84,741,000 | 85,701,000 |
| Interest-bearing deposits | 55,735,000 | 54,419,000 | 54,343,000 | 54,009,000 |
| Noninterest-bearing deposits | 33,495,000 | 31,683,000 | 30,398,000 | 31,692,000 |
| Equity capital | 13,514,000 | 13,829,000 | 14,025,000 | 13,683,000 |
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 | 1,119,000 | 2,294,000 | 3,496,000 | 4,746,000 |
| Interest expense | 113,000 | 243,000 | 385,000 | 530,000 |
| Net interest income | 1,006,000 | 2,051,000 | 3,111,000 | 4,216,000 |
| Noninterest income | 126,000 | 257,000 | 327,000 | 305,000 |
| Noninterest expense | 943,000 | 1,809,000 | 2,700,000 | 3,759,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 189,000 | 499,000 | 738,000 | 662,000 |
| Income tax | 33,000 | 97,000 | 151,000 | 111,000 |
| Net income | 156,000 | 402,000 | 587,000 | 551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,582,000 | 13,692,000 | 14,174,000 | 13,562,000 |
| Total capital | 14,183,000 | 14,299,000 | 14,782,000 | 14,268,000 |
| Risk-weighted assets | 66,577,000 | 68,995,000 | 69,487,000 | 65,367,000 |