Call reports 2019
SANDHILLS BANK — 2019
What SANDHILLS 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 | 176,116,000 | 176,420,000 | 196,000,000 | 193,039,000 |
| Total loans | 132,616,000 | 139,989,000 | 145,217,000 | 146,390,000 |
| Allowance for loan losses | 1,291,000 | 1,293,000 | 1,288,000 | 1,285,000 |
| Securities available for sale | 10,667,000 | 10,995,000 | 20,082,000 | 19,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,128,000 | 156,366,000 | 170,279,000 | 162,558,000 |
| Interest-bearing deposits | 137,652,000 | 140,788,000 | 151,460,000 | 148,062,000 |
| Noninterest-bearing deposits | 13,476,000 | 15,578,000 | 18,819,000 | 14,496,000 |
| Equity capital | 19,299,000 | 19,380,000 | 19,354,000 | 19,254,000 |
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 | 1,856,000 | 3,790,000 | 5,861,000 | 7,962,000 |
| Interest expense | 412,000 | 891,000 | 1,445,000 | 2,034,000 |
| Net interest income | 1,444,000 | 2,899,000 | 4,416,000 | 5,928,000 |
| Noninterest income | 190,000 | 443,000 | 635,000 | 955,000 |
| Noninterest expense | 1,494,000 | 2,960,000 | 4,439,000 | 6,016,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 140,000 | 417,000 | 689,000 | 944,000 |
| Income tax | 32,000 | 93,000 | 155,000 | 224,000 |
| Net income | 108,000 | 324,000 | 534,000 | 720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,292,000 | 17,411,000 | 17,519,000 | 17,493,000 |
| Total capital | 18,583,000 | 18,704,000 | 18,807,000 | 18,778,000 |
| Risk-weighted assets | 121,567,000 | 126,942,000 | 136,482,000 | 132,379,000 |