Call reports 2019
SAVINGS BANK — 2019
What SAVINGS 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 | 209,789,000 | 215,449,000 | 215,744,000 | 223,526,000 |
| Total loans | 176,709,000 | 177,706,000 | 179,154,000 | 182,334,000 |
| Allowance for loan losses | 2,355,000 | 2,419,000 | 2,479,000 | 2,541,000 |
| Securities available for sale | 29,636,000 | 28,610,000 | 27,007,000 | 29,668,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,061,000 | 188,823,000 | 188,274,000 | 195,996,000 |
| Interest-bearing deposits | 158,774,000 | 170,431,000 | 170,710,000 | 171,309,000 |
| Noninterest-bearing deposits | 16,287,000 | 18,392,000 | 17,564,000 | 24,687,000 |
| Equity capital | 25,006,000 | 25,942,000 | 26,637,000 | 27,110,000 |
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 | 2,591,000 | 5,279,000 | 7,960,000 | 10,610,000 |
| Interest expense | 801,000 | 1,658,000 | 2,534,000 | 3,414,000 |
| Net interest income | 1,790,000 | 3,621,000 | 5,426,000 | 7,196,000 |
| Noninterest income | 75,000 | 141,000 | 251,000 | 327,000 |
| Noninterest expense | 743,000 | 1,500,000 | 2,269,000 | 3,073,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,062,000 | 2,142,000 | 3,228,000 | 4,210,000 |
| Income tax | 55,000 | 112,000 | 166,000 | 219,000 |
| Net income | 1,007,000 | 2,030,000 | 3,062,000 | 3,991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,009,000 | 25,673,000 | 26,349,000 | 26,920,000 |
| Total capital | 27,364,000 | 28,092,000 | 28,761,000 | 29,433,000 |
| Risk-weighted assets | 190,117,000 | 195,195,000 | 192,923,000 | 201,044,000 |
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