Call reports 2020
PHELPS COUNTY BANK — 2020
What PHELPS COUNTY BANK 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 | 378,464,000 | 423,699,000 | 434,043,000 | 458,103,000 |
| Total loans | 233,655,000 | 247,907,000 | 246,153,000 | 249,345,000 |
| Allowance for loan losses | 2,869,000 | 3,045,000 | 3,024,000 | 3,127,000 |
| Securities available for sale | 95,063,000 | 94,828,000 | 97,730,000 | 93,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,002,000 | 371,336,000 | 381,661,000 | 407,127,000 |
| Interest-bearing deposits | 271,503,000 | 298,814,000 | 304,388,000 | 327,805,000 |
| Noninterest-bearing deposits | 59,499,000 | 72,522,000 | 77,273,000 | 79,322,000 |
| Equity capital | 31,956,000 | 33,058,000 | 33,319,000 | 32,923,000 |
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 | 3,475,000 | 7,719,000 | 11,047,000 | 14,067,000 |
| Interest expense | 281,000 | 522,000 | 757,000 | 974,000 |
| Net interest income | 3,194,000 | 7,197,000 | 10,290,000 | 13,093,000 |
| Noninterest income | 1,265,000 | 2,835,000 | 4,563,000 | 6,092,000 |
| Noninterest expense | 2,741,000 | 5,616,000 | 8,550,000 | 11,800,000 |
| Provision for loan losses | 40,000 | 180,000 | 180,000 | 380,000 |
| Pretax income | 1,683,000 | 4,241,000 | 6,128,000 | 7,010,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,683,000 | 4,241,000 | 6,128,000 | 7,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,263,000 | 30,321,000 | 30,707,000 | 30,589,000 |
| Total capital | 32,802,000 | 32,860,000 | 33,267,000 | 33,189,000 |
| Risk-weighted assets | 202,832,000 | 202,673,000 | 204,357,000 | 207,527,000 |