Call reports 2021
SANDHILLS BANK — 2021
What SANDHILLS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 218,108,000 | 230,641,000 | 235,688,000 | 222,734,000 |
| Total loans | 154,113,000 | 146,493,000 | 140,466,000 | 150,395,000 |
| Allowance for loan losses | 1,409,000 | 1,406,000 | 1,404,000 | 1,441,000 |
| Securities available for sale | 27,163,000 | 26,229,000 | 25,156,000 | 24,002,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,777,000 | 203,792,000 | 215,269,000 | 202,323,000 |
| Interest-bearing deposits | 163,620,000 | 166,286,000 | 171,021,000 | 166,789,000 |
| Noninterest-bearing deposits | 28,157,000 | 37,506,000 | 44,248,000 | 35,534,000 |
| Equity capital | 18,795,000 | 19,322,000 | 19,775,000 | 20,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,932,000 | 3,860,000 | 5,748,000 | 7,579,000 |
| Interest expense | 222,000 | 411,000 | 534,000 | 633,000 |
| Net interest income | 1,710,000 | 3,449,000 | 5,214,000 | 6,946,000 |
| Noninterest income | 211,000 | 436,000 | 627,000 | 831,000 |
| Noninterest expense | 1,297,000 | 2,668,000 | 4,092,000 | 5,512,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | 549,000 | 1,142,000 | 1,674,000 | 2,190,000 |
| Income tax | 124,000 | 255,000 | 379,000 | 521,000 |
| Net income | 425,000 | 887,000 | 1,295,000 | 1,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,773,000 | 18,378,000 | 19,072,000 | 19,442,000 |
| Total capital | — | — | 20,476,000 | 20,883,000 |
| Risk-weighted assets | — | — | 125,364,000 | 131,768,000 |