Call reports 2020
SSB BANK — 2020
What SSB BANK 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 | 208,609,000 | 242,342,000 | 227,348,000 | 233,962,000 |
| Total loans | 159,795,000 | 168,457,000 | 167,062,000 | 166,145,000 |
| Allowance for loan losses | 1,197,000 | 1,424,000 | 1,521,000 | 1,647,000 |
| Securities available for sale | 8,395,000 | 8,002,000 | 7,476,000 | 5,695,000 |
| Securities held to maturity | 3,000 | 3,000 | 2,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,325,000 | 175,076,000 | 166,659,000 | 175,974,000 |
| Interest-bearing deposits | 147,521,000 | 160,168,000 | 150,339,000 | 158,979,000 |
| Noninterest-bearing deposits | 11,804,000 | 14,908,000 | 16,320,000 | 16,995,000 |
| Equity capital | 17,412,000 | 18,036,000 | 18,550,000 | 18,878,000 |
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 | 2,080,000 | 4,104,000 | 6,136,000 | 8,118,000 |
| Interest expense | 918,000 | 1,768,000 | 2,557,000 | 3,270,000 |
| Net interest income | 1,162,000 | 2,336,000 | 3,579,000 | 4,848,000 |
| Noninterest income | 205,000 | 952,000 | 1,696,000 | 2,381,000 |
| Noninterest expense | 1,126,000 | 2,258,000 | 3,491,000 | 4,853,000 |
| Provision for loan losses | 13,000 | 240,000 | 340,000 | 530,000 |
| Pretax income | 264,000 | 826,000 | 1,480,000 | 1,958,000 |
| Income tax | 60,000 | 211,000 | 382,000 | 492,000 |
| Net income | 204,000 | 615,000 | 1,098,000 | 1,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,490,000 | 17,901,000 | 18,384,000 | 18,753,000 |
| Total capital | 18,687,000 | 19,325,000 | 19,905,000 | 20,400,000 |
| Risk-weighted assets | 154,222,000 | 154,055,000 | 152,229,000 | 152,122,000 |