Call reports 2019
STONE BANK — 2019
What STONE 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 | 383,369,000 | 397,534,000 | 471,834,000 | 476,700,000 |
| Total loans | 298,159,000 | 317,271,000 | 345,582,000 | 344,567,000 |
| Allowance for loan losses | 4,514,000 | 4,805,000 | 5,174,000 | 5,430,000 |
| Securities available for sale | 32,204,000 | 35,610,000 | 48,037,000 | 51,610,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,127,000 | 327,819,000 | 390,641,000 | 394,774,000 |
| Interest-bearing deposits | 302,781,000 | 314,581,000 | 355,561,000 | 361,824,000 |
| Noninterest-bearing deposits | 13,346,000 | 13,238,000 | 35,080,000 | 32,950,000 |
| Equity capital | 41,781,000 | 43,213,000 | 53,786,000 | 54,536,000 |
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 | 4,572,000 | 9,739,000 | 14,930,000 | 20,483,000 |
| Interest expense | 1,906,000 | 3,946,000 | 6,112,000 | 8,276,000 |
| Net interest income | 2,666,000 | 5,793,000 | 8,818,000 | 12,207,000 |
| Noninterest income | 1,770,000 | 4,687,000 | 6,852,000 | 9,563,000 |
| Noninterest expense | 3,096,000 | 6,854,000 | 10,408,000 | 15,025,000 |
| Provision for loan losses | 591,000 | 1,325,000 | 1,896,000 | 2,397,000 |
| Pretax income | 749,000 | 2,301,000 | 3,366,000 | 4,348,000 |
| Income tax | 188,000 | 587,000 | 810,000 | 987,000 |
| Net income | 561,000 | 1,714,000 | 2,556,000 | 3,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,652,000 | 41,805,000 | 50,014,000 | 51,147,000 |
| Total capital | 44,529,000 | 45,778,000 | 54,499,000 | 55,617,000 |
| Risk-weighted assets | 309,586,000 | 317,055,000 | 358,139,000 | 356,704,000 |