Call reports 2020
BANKGLOUCESTER — 2020
What BANKGLOUCESTER 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 | 287,747,000 | 320,577,000 | 329,398,000 | 318,892,000 |
| Total loans | 237,376,000 | 265,174,000 | 257,367,000 | 254,685,000 |
| Allowance for loan losses | 1,981,000 | 1,649,000 | 1,819,000 | 1,977,000 |
| Securities available for sale | 21,465,000 | 8,105,000 | 7,110,000 | 5,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,843,000 | 279,629,000 | 289,901,000 | 281,229,000 |
| Interest-bearing deposits | 215,889,000 | 232,119,000 | 232,680,000 | 223,623,000 |
| Noninterest-bearing deposits | 29,954,000 | 47,510,000 | 57,221,000 | 57,606,000 |
| Equity capital | 24,484,000 | 24,875,000 | 25,328,000 | 25,718,000 |
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 | 3,411,000 | 6,652,000 | 9,937,000 | 13,063,000 |
| Interest expense | 782,000 | 1,489,000 | 2,137,000 | 2,691,000 |
| Net interest income | 2,629,000 | 5,163,000 | 7,800,000 | 10,372,000 |
| Noninterest income | 271,000 | 574,000 | 1,038,000 | 1,534,000 |
| Noninterest expense | 2,264,000 | 4,442,000 | 6,751,000 | 9,150,000 |
| Provision for loan losses | 60,000 | 170,000 | 340,000 | 460,000 |
| Pretax income | 575,000 | 1,124,000 | 1,746,000 | 2,293,000 |
| Income tax | 159,000 | 306,000 | 474,000 | 621,000 |
| Net income | 416,000 | 818,000 | 1,272,000 | 1,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,285,000 | 24,693,000 | 25,197,000 | 25,596,000 |
| Total capital | 26,266,000 | 26,342,000 | 27,016,000 | 27,573,000 |
| Risk-weighted assets | 203,679,000 | 211,135,000 | 209,816,000 | 218,475,000 |