Call reports 2018
SANDHILLS BANK — 2018
What SANDHILLS 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 | 179,625,000 | 178,700,000 | 175,182,000 | 173,221,000 |
| Total loans | 137,255,000 | 132,586,000 | 128,043,000 | 129,102,000 |
| Allowance for loan losses | 1,299,000 | 1,298,000 | 1,296,000 | 1,293,000 |
| Securities available for sale | 8,077,000 | 7,502,000 | 7,219,000 | 10,954,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,611,000 | 156,469,000 | 152,870,000 | 148,414,000 |
| Interest-bearing deposits | 141,902,000 | 142,652,000 | 140,281,000 | 135,566,000 |
| Noninterest-bearing deposits | 15,709,000 | 13,817,000 | 12,589,000 | 12,849,000 |
| Equity capital | 16,548,000 | 16,562,000 | 16,559,000 | 19,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,915,000 | 3,775,000 | 5,616,000 | 7,430,000 |
| Interest expense | 284,000 | 628,000 | 1,048,000 | 1,466,000 |
| Net interest income | 1,631,000 | 3,147,000 | 4,568,000 | 5,964,000 |
| Noninterest income | 209,000 | 552,000 | 744,000 | 951,000 |
| Noninterest expense | 1,437,000 | 2,929,000 | 4,383,000 | 5,788,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 375,000 | 736,000 | 895,000 | 1,093,000 |
| Income tax | 92,000 | 182,000 | 220,000 | 252,000 |
| Net income | 283,000 | 554,000 | 675,000 | 841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,448,000 | 14,584,000 | 14,645,000 | 17,273,000 |
| Total capital | 15,747,000 | 15,882,000 | 15,941,000 | 18,566,000 |
| Risk-weighted assets | 122,652,000 | 117,693,000 | 114,074,000 | 118,743,000 |