Call reports 2019
FIRST SERVICE BANK — 2019
What FIRST SERVICE BANK 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 | 309,924,000 | 337,452,000 | 338,812,000 | 364,497,000 |
| Total loans | 266,568,000 | 282,481,000 | 290,759,000 | 315,960,000 |
| Allowance for loan losses | 2,678,000 | 2,686,000 | 2,638,000 | 2,738,000 |
| Securities available for sale | 4,974,000 | 7,011,000 | 7,015,000 | 7,591,000 |
| Securities held to maturity | 5,359,000 | 5,351,000 | 5,346,000 | 5,240,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,757,000 | 293,331,000 | 294,488,000 | 310,095,000 |
| Interest-bearing deposits | 222,434,000 | 247,880,000 | 246,659,000 | 263,088,000 |
| Noninterest-bearing deposits | 44,323,000 | 45,452,000 | 47,829,000 | 47,007,000 |
| Equity capital | 30,719,000 | 31,285,000 | 31,684,000 | 31,679,000 |
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 | 3,934,000 | 8,220,000 | 12,692,000 | 17,352,000 |
| Interest expense | 887,000 | 1,962,000 | 3,104,000 | 4,286,000 |
| Net interest income | 3,047,000 | 6,258,000 | 9,588,000 | 13,066,000 |
| Noninterest income | 890,000 | 2,104,000 | 3,109,000 | 4,183,000 |
| Noninterest expense | 3,339,000 | 6,732,000 | 10,286,000 | 14,001,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 280,000 |
| Pretax income | 553,000 | 1,540,000 | 2,276,000 | 2,968,000 |
| Income tax | 56,000 | 275,000 | 424,000 | 653,000 |
| Net income | 497,000 | 1,265,000 | 1,852,000 | 2,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,604,000 | 31,148,000 | 31,512,000 | 31,529,000 |
| Total capital | 33,282,000 | 33,834,000 | 34,150,000 | 34,267,000 |
| Risk-weighted assets | 250,516,000 | 266,808,000 | 274,708,000 | 298,399,000 |