Call reports 2018
FIRST BANK OF BANCROFT — 2018
What FIRST BANK OF BANCROFT reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 22,762,000 | 22,026,000 | 22,820,000 | 21,882,000 |
| Total loans | 11,492,000 | 11,325,000 | 10,302,000 | 11,134,000 |
| Allowance for loan losses | 157,000 | 158,000 | 159,000 | 161,000 |
| Securities available for sale | 4,717,000 | 4,921,000 | 5,108,000 | 4,818,000 |
| Securities held to maturity | 400,000 | 400,000 | 400,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,086,000 | 18,292,000 | 19,026,000 | 17,958,000 |
| Interest-bearing deposits | 15,122,000 | 14,767,000 | 14,395,000 | 13,920,000 |
| Noninterest-bearing deposits | 3,964,000 | 3,525,000 | 4,631,000 | 4,038,000 |
| Equity capital | 3,542,000 | 3,607,000 | 3,662,000 | 3,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 228,000 | 464,000 | 690,000 | 936,000 |
| Interest expense | 21,000 | 44,000 | 69,000 | 97,000 |
| Net interest income | 207,000 | 420,000 | 621,000 | 839,000 |
| Noninterest income | 13,000 | 40,000 | 52,000 | 64,000 |
| Noninterest expense | 123,000 | 269,000 | 395,000 | 588,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 87,000 | 181,000 | 268,000 | 305,000 |
| Income tax | 21,000 | 45,000 | 69,000 | 13,000 |
| Net income | 66,000 | 136,000 | 199,000 | 292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,591,000 | 3,660,000 | 3,724,000 | 3,716,000 |
| Total capital | 3,748,000 | 3,818,000 | 3,876,000 | 3,877,000 |
| Risk-weighted assets | 13,181,000 | 13,172,000 | 12,197,000 | 13,004,000 |