Call reports 2019
21ST CENTURY BANK — 2019
What 21ST CENTURY 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 | 502,843,000 | 541,064,000 | 509,098,000 | 530,719,000 |
| Total loans | 401,408,000 | 423,209,000 | 432,442,000 | 446,399,000 |
| Allowance for loan losses | 2,174,000 | 2,296,000 | 2,331,000 | 2,431,000 |
| Securities available for sale | 57,176,000 | 55,374,000 | 53,118,000 | 61,384,000 |
| Securities held to maturity | 1,514,000 | 1,477,000 | 1,323,000 | 2,604,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 443,999,000 | 469,943,000 | 433,796,000 | 443,964,000 |
| Interest-bearing deposits | 359,657,000 | 385,854,000 | 342,277,000 | 351,738,000 |
| Noninterest-bearing deposits | 84,342,000 | 84,089,000 | 91,519,000 | 92,226,000 |
| Equity capital | 56,827,000 | 58,405,000 | 62,419,000 | 63,688,000 |
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 | 5,161,000 | 10,588,000 | 16,273,000 | 22,158,000 |
| Interest expense | 1,292,000 | 2,688,000 | 4,122,000 | 5,451,000 |
| Net interest income | 3,869,000 | 7,900,000 | 12,151,000 | 16,707,000 |
| Noninterest income | -921,000 | -620,000 | 3,687,000 | 4,197,000 |
| Noninterest expense | 2,822,000 | 5,411,000 | 8,266,000 | 11,335,000 |
| Provision for loan losses | 30,000 | 180,000 | 330,000 | 430,000 |
| Pretax income | 96,000 | 1,689,000 | 7,242,000 | 9,139,000 |
| Income tax | 29,000 | 492,000 | 2,103,000 | 2,654,000 |
| Net income | 67,000 | 1,197,000 | 5,139,000 | 6,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,505,000 | 58,635,000 | 62,577,000 | 63,923,000 |
| Total capital | 59,679,000 | 60,931,000 | 64,908,000 | 66,354,000 |
| Risk-weighted assets | 366,815,000 | 382,643,000 | 377,966,000 | 394,836,000 |