Call reports 2020
EL DORADO SAVINGS BANK, F.S.B. — 2020
What EL DORADO SAVINGS BANK, F.S.B. 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 | 2,218,303,000 | 2,374,280,000 | 2,448,387,000 | 2,512,874,000 |
| Total loans | 621,972,000 | 620,584,000 | 605,151,000 | 603,562,000 |
| Allowance for loan losses | 4,969,000 | 5,358,000 | 5,742,000 | 6,094,000 |
| Securities available for sale | 610,000 | 656,000 | 644,000 | 622,000 |
| Securities held to maturity | 1,169,360,000 | 1,280,269,000 | 1,400,849,000 | 1,426,478,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,953,112,000 | 2,104,657,000 | 2,178,984,000 | 2,243,152,000 |
| Interest-bearing deposits | 1,892,825,000 | 2,031,041,000 | 2,104,919,000 | 2,169,978,000 |
| Noninterest-bearing deposits | 60,287,000 | 73,616,000 | 74,065,000 | 73,174,000 |
| Equity capital | 253,904,000 | 255,603,000 | 256,879,000 | 259,157,000 |
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 | 13,900,000 | 26,517,000 | 38,556,000 | 49,847,000 |
| Interest expense | 1,764,000 | 3,394,000 | 4,932,000 | 6,295,000 |
| Net interest income | 12,136,000 | 23,123,000 | 33,624,000 | 43,552,000 |
| Noninterest income | 2,108,000 | 3,914,000 | 5,965,000 | 8,070,000 |
| Noninterest expense | 9,187,000 | 18,448,000 | 27,921,000 | 36,306,000 |
| Provision for loan losses | 100,000 | 400,000 | 700,000 | 1,000,000 |
| Pretax income | 4,948,000 | 8,186,000 | 10,964,000 | 14,311,000 |
| Income tax | 1,090,000 | 1,678,000 | 2,124,000 | 2,332,000 |
| Net income | 3,858,000 | 6,508,000 | 8,840,000 | 11,979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 248,820,000 | 250,418,000 | 251,723,000 | 253,909,000 |
| Total capital | 254,099,000 | 256,086,000 | 257,775,000 | 260,313,000 |
| Risk-weighted assets | 667,345,000 | 703,272,000 | 717,325,000 | 717,588,000 |