Call reports 2020
TOUCHSTONE BANK — 2020
What TOUCHSTONE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 472,950,000 | 507,378,000 | 527,110,000 | 532,662,000 |
| Total loans | 348,565,000 | 372,218,000 | 371,529,000 | 363,029,000 |
| Allowance for loan losses | 3,199,000 | 3,491,000 | 3,675,000 | 4,357,000 |
| Securities available for sale | 57,779,000 | 65,740,000 | 79,635,000 | 92,340,000 |
| Securities held to maturity | 1,500,000 | 1,500,000 | 1,500,000 | 1,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,689,000 | 430,585,000 | 449,113,000 | 450,880,000 |
| Interest-bearing deposits | 280,802,000 | 291,197,000 | 299,432,000 | 301,827,000 |
| Noninterest-bearing deposits | 109,887,000 | 139,388,000 | 149,681,000 | 149,053,000 |
| Equity capital | 48,338,000 | 49,208,000 | 50,084,000 | 53,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,472,000 | 10,486,000 | 15,555,000 | 20,948,000 |
| Interest expense | 833,000 | 1,592,000 | 2,273,000 | 2,887,000 |
| Net interest income | 4,639,000 | 8,894,000 | 13,282,000 | 18,061,000 |
| Noninterest income | 619,000 | 1,200,000 | 1,994,000 | 2,384,000 |
| Noninterest expense | 3,987,000 | 8,012,000 | 11,959,000 | 15,222,000 |
| Provision for loan losses | 900,000 | 1,200,000 | 1,500,000 | 2,250,000 |
| Pretax income | 454,000 | 992,000 | 1,930,000 | 3,086,000 |
| Income tax | 63,000 | 144,000 | 310,000 | 511,000 |
| Net income | 391,000 | 848,000 | 1,620,000 | 2,575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,001,000 | 46,501,000 | 47,354,000 | 50,959,000 |