Call reports 2022
LOCALITY BANK — 2022
What LOCALITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 43,775,000 | 72,487,000 | 109,749,000 | 116,385,000 |
| Total loans | 8,278,000 | 36,779,000 | 54,724,000 | 67,000,000 |
| Allowance for loan losses | 85,000 | 380,000 | 610,000 | 745,000 |
| Securities available for sale | 0 | 0 | 0 | 13,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,456,000 | 35,870,000 | 73,841,000 | 80,933,000 |
| Interest-bearing deposits | 1,317,000 | 26,726,000 | 61,706,000 | 68,828,000 |
| Noninterest-bearing deposits | 5,139,000 | 9,144,000 | 12,135,000 | 12,105,000 |
| Equity capital | 36,338,000 | 35,605,000 | 34,927,000 | 34,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 47,000 | 394,000 | 1,281,000 | 2,614,000 |
| Interest expense | 0 | 13,000 | 238,000 | 684,000 |
| Net interest income | 47,000 | 381,000 | 1,043,000 | 1,930,000 |
| Noninterest income | 0 | 22,000 | 231,000 | 220,000 |
| Noninterest expense | 2,384,000 | 3,491,000 | 4,876,000 | 6,230,000 |
| Provision for loan losses | 85,000 | 380,000 | 610,000 | 745,000 |
| Pretax income | -2,422,000 | -3,468,000 | -4,212,000 | -4,825,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -2,422,000 | -3,468,000 | -4,212,000 | -4,825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,338,000 | 35,605,000 | 34,927,000 | 34,376,000 |
| Total capital | 36,423,000 | 35,985,000 | 35,537,000 | 35,121,000 |
| Risk-weighted assets | 10,635,000 | 39,234,000 | 58,988,000 | 85,195,000 |
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