Call reports 2019
FIRST NATIONAL BANK OF ELMER — 2019
What FIRST NATIONAL BANK OF ELMER 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 | 284,381,000 | 282,776,000 | 285,386,000 | 285,849,000 |
| Total loans | 235,246,000 | 235,468,000 | 236,390,000 | 243,315,000 |
| Allowance for loan losses | 3,345,000 | 3,408,000 | 3,432,000 | 3,391,000 |
| Securities available for sale | 13,047,000 | 12,725,000 | 12,337,000 | 11,975,000 |
| Securities held to maturity | 0 | 1,974,000 | 240,000 | 240,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,043,000 | 255,172,000 | 257,144,000 | 257,246,000 |
| Interest-bearing deposits | 241,345,000 | 239,063,000 | 239,146,000 | 241,122,000 |
| Noninterest-bearing deposits | 15,698,000 | 16,109,000 | 17,998,000 | 16,124,000 |
| Equity capital | 25,730,000 | 26,015,000 | 26,629,000 | 26,714,000 |
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 | 3,092,000 | 6,149,000 | 9,192,000 | 12,194,000 |
| Interest expense | 284,000 | 551,000 | 804,000 | 1,065,000 |
| Net interest income | 2,808,000 | 5,598,000 | 8,388,000 | 11,129,000 |
| Noninterest income | 214,000 | 468,000 | 724,000 | 1,073,000 |
| Noninterest expense | 2,262,000 | 4,569,000 | 6,814,000 | 9,084,000 |
| Provision for loan losses | 105,000 | 175,000 | 198,000 | 198,000 |
| Pretax income | 655,000 | 1,322,000 | 2,100,000 | 2,920,000 |
| Income tax | 182,000 | 358,000 | 568,000 | 799,000 |
| Net income | 473,000 | 964,000 | 1,532,000 | 2,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,918,000 | 26,012,000 | 26,584,000 | 26,813,000 |
| Total capital | 28,599,000 | 28,674,000 | 29,247,000 | 29,563,000 |
| Risk-weighted assets | 213,820,000 | 212,149,000 | 212,209,000 | 219,316,000 |