Call reports 2020
BANK OF HYDRO — 2020
What BANK OF HYDRO 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 | 126,329,000 | 136,273,000 | 131,437,000 | 130,788,000 |
| Total loans | 106,299,000 | 113,863,000 | 118,092,000 | 116,305,000 |
| Allowance for loan losses | 1,161,000 | 1,168,000 | 1,168,000 | 1,178,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 773,000 | 773,000 | 772,000 | 772,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,498,000 | 118,068,000 | 113,641,000 | 112,886,000 |
| Interest-bearing deposits | 78,500,000 | 82,935,000 | 80,895,000 | 79,357,000 |
| Noninterest-bearing deposits | 29,998,000 | 35,133,000 | 32,746,000 | 33,530,000 |
| Equity capital | 14,807,000 | 14,911,000 | 15,149,000 | 15,274,000 |
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 | 1,642,000 | 3,343,000 | 4,906,000 | 6,350,000 |
| Interest expense | 288,000 | 561,000 | 778,000 | 958,000 |
| Net interest income | 1,354,000 | 2,782,000 | 4,128,000 | 5,392,000 |
| Noninterest income | 127,000 | 228,000 | 333,000 | 559,000 |
| Noninterest expense | 779,000 | 1,591,000 | 2,397,000 | 3,270,000 |
| Provision for loan losses | 11,000 | 21,000 | 32,000 | 42,000 |
| Pretax income | 691,000 | 1,402,000 | 2,034,000 | 2,618,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 691,000 | 1,402,000 | 2,034,000 | 2,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,807,000 | 14,911,000 | 15,149,000 | 15,274,000 |