Call reports 2019
FIRST BANK OF BANCROFT — 2019
What FIRST BANK OF BANCROFT 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 | 21,904,000 | 22,722,000 | 22,968,000 | 23,426,000 |
| Total loans | 11,815,000 | 11,904,000 | 10,972,000 | 10,443,000 |
| Allowance for loan losses | 163,000 | 166,000 | 167,000 | 170,000 |
| Securities available for sale | 4,351,000 | 3,841,000 | 3,943,000 | 4,757,000 |
| Securities held to maturity | 400,000 | 400,000 | 400,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,856,000 | 18,759,000 | 18,931,000 | 18,788,000 |
| Interest-bearing deposits | 14,075,000 | 14,649,000 | 15,479,000 | 15,248,000 |
| Noninterest-bearing deposits | 3,781,000 | 4,110,000 | 3,452,000 | 3,540,000 |
| Equity capital | 3,759,000 | 3,852,000 | 3,917,000 | 3,850,000 |
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 | 231,000 | 477,000 | 723,000 | 958,000 |
| Interest expense | 33,000 | 72,000 | 113,000 | 151,000 |
| Net interest income | 198,000 | 405,000 | 610,000 | 807,000 |
| Noninterest income | 11,000 | 24,000 | 38,000 | 53,000 |
| Noninterest expense | 126,000 | 254,000 | 385,000 | 577,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 83,000 | 175,000 | 263,000 | 283,000 |
| Income tax | 21,000 | 42,000 | 63,000 | 54,000 |
| Net income | 62,000 | 133,000 | 200,000 | 229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,778,000 | 3,849,000 | 3,917,000 | 3,845,000 |
| Total capital | 3,941,000 | 4,015,000 | 4,080,000 | 4,001,000 |
| Risk-weighted assets | 13,534,000 | 13,956,000 | 13,085,000 | 12,544,000 |