Call reports 2020
OUR COMMUNITY BANK — 2020
What OUR COMMUNITY 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 | 73,298,000 | 73,660,000 | 73,720,000 | 70,578,000 |
| Total loans | 52,765,000 | 52,354,000 | 52,192,000 | 50,936,000 |
| Allowance for loan losses | 520,000 | 521,000 | 535,000 | 535,000 |
| Securities available for sale | 7,157,000 | 5,965,000 | 7,861,000 | 7,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,728,000 | 56,349,000 | 56,901,000 | 55,057,000 |
| Interest-bearing deposits | 43,319,000 | 42,816,000 | 43,245,000 | 42,269,000 |
| Noninterest-bearing deposits | 11,409,000 | 13,533,000 | 13,656,000 | 12,788,000 |
| Equity capital | 8,326,000 | 8,520,000 | 8,516,000 | 7,745,000 |
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 | 828,000 | 1,649,000 | 2,421,000 | 3,178,000 |
| Interest expense | 172,000 | 324,000 | 451,000 | 566,000 |
| Net interest income | 656,000 | 1,325,000 | 1,970,000 | 2,612,000 |
| Noninterest income | 105,000 | 253,000 | 370,000 | 504,000 |
| Noninterest expense | 702,000 | 1,384,000 | 2,055,000 | 3,752,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 55,000 |
| Pretax income | 44,000 | 164,000 | 240,000 | -691,000 |
| Income tax | -24,000 | -23,000 | -33,000 | -301,000 |
| Net income | 68,000 | 187,000 | 273,000 | -390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,447,000 | 8,477,000 | 8,472,000 | 7,719,000 |