Call reports 2018
SMALL TOWN BANK — 2018
What SMALL TOWN BANK 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 | 219,918,000 | 219,609,000 | 225,405,000 | 235,795,000 |
| Total loans | 104,068,000 | 105,309,000 | 113,970,000 | 113,526,000 |
| Allowance for loan losses | 1,840,000 | 1,826,000 | 1,824,000 | 1,600,000 |
| Securities available for sale | 79,440,000 | 84,445,000 | 81,066,000 | 87,435,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,129,000 | 181,303,000 | 186,802,000 | 196,864,000 |
| Interest-bearing deposits | 150,995,000 | 148,223,000 | 150,941,000 | 156,352,000 |
| Noninterest-bearing deposits | 31,134,000 | 33,080,000 | 35,861,000 | 40,512,000 |
| Equity capital | 36,974,000 | 37,455,000 | 37,710,000 | 37,830,000 |
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 | 2,111,000 | 4,265,000 | 6,605,000 | 9,022,000 |
| Interest expense | 164,000 | 343,000 | 545,000 | 792,000 |
| Net interest income | 1,947,000 | 3,922,000 | 6,060,000 | 8,230,000 |
| Noninterest income | 262,000 | 505,000 | 756,000 | 1,013,000 |
| Noninterest expense | 1,375,000 | 2,814,000 | 4,285,000 | 6,150,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 834,000 | 1,613,000 | 2,531,000 | 3,093,000 |
| Income tax | 167,000 | 301,000 | 487,000 | 559,000 |
| Net income | 667,000 | 1,312,000 | 2,044,000 | 2,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,653,000 | 36,267,000 | 36,999,000 | 36,450,000 |
| Total capital | 37,329,000 | 37,968,000 | 38,801,000 | 38,050,000 |
| Risk-weighted assets | 133,933,000 | 135,945,000 | 144,169,000 | 145,264,000 |