Call reports 2020
FIRST NATIONAL BANK OF ELMER — 2020
What FIRST NATIONAL BANK OF ELMER 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 | 286,075,000 | 326,859,000 | 326,600,000 | 330,417,000 |
| Total loans | 253,129,000 | 283,869,000 | 289,147,000 | 279,370,000 |
| Allowance for loan losses | 3,453,000 | 3,589,000 | 3,922,000 | 4,180,000 |
| Securities available for sale | 10,827,000 | 9,950,000 | 9,145,000 | 8,472,000 |
| Securities held to maturity | 240,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,063,000 | 296,795,000 | 296,853,000 | 300,440,000 |
| Interest-bearing deposits | 240,035,000 | 276,509,000 | 277,920,000 | 279,835,000 |
| Noninterest-bearing deposits | 17,028,000 | 20,286,000 | 18,933,000 | 20,605,000 |
| Equity capital | 27,240,000 | 27,882,000 | 28,067,000 | 28,184,000 |
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 | 3,003,000 | 6,078,000 | 9,019,000 | 12,422,000 |
| Interest expense | 251,000 | 483,000 | 708,000 | 930,000 |
| Net interest income | 2,752,000 | 5,595,000 | 8,311,000 | 11,492,000 |
| Noninterest income | 246,000 | 465,000 | 686,000 | 928,000 |
| Noninterest expense | 2,246,000 | 4,478,000 | 6,818,000 | 9,420,000 |
| Provision for loan losses | 93,000 | 236,000 | 571,000 | 931,000 |
| Pretax income | 659,000 | 1,346,000 | 1,608,000 | 2,069,000 |
| Income tax | 173,000 | 350,000 | 401,000 | 528,000 |
| Net income | 486,000 | 996,000 | 1,207,000 | 1,541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,302,000 | 27,816,000 | 28,001,000 | 28,154,000 |
| Total capital | 30,159,000 | 30,686,000 | 30,884,000 | 30,983,000 |
| Risk-weighted assets | 227,956,000 | 228,819,000 | 229,604,000 | 224,895,000 |