Call reports 2020
GRAHAM SAVINGS AND LOAN, SSB — 2020
What GRAHAM SAVINGS AND LOAN, SSB 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 | 138,043,000 | 144,207,000 | 145,645,000 | 143,777,000 |
| Total loans | 99,877,000 | 98,272,000 | 96,964,000 | 98,582,000 |
| Allowance for loan losses | 1,152,000 | 1,257,000 | 1,288,000 | 1,288,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,229,000 | 17,155,000 | 16,980,000 | 19,565,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,096,000 | 116,628,000 | 118,029,000 | 115,448,000 |
| Interest-bearing deposits | 103,571,000 | 109,228,000 | 110,467,000 | 108,555,000 |
| Noninterest-bearing deposits | 5,525,000 | 7,400,000 | 7,562,000 | 6,893,000 |
| Equity capital | 16,181,000 | 15,794,000 | 15,826,000 | 15,932,000 |
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 | 1,621,000 | 3,180,000 | 4,719,000 | 6,113,000 |
| Interest expense | 478,000 | 931,000 | 1,359,000 | 1,749,000 |
| Net interest income | 1,143,000 | 2,249,000 | 3,360,000 | 4,364,000 |
| Noninterest income | 107,000 | 202,000 | 315,000 | 435,000 |
| Noninterest expense | 928,000 | 1,902,000 | 2,853,000 | 3,871,000 |
| Provision for loan losses | 100,000 | 205,000 | 255,000 | 255,000 |
| Pretax income | 222,000 | 344,000 | 567,000 | 673,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 222,000 | 344,000 | 567,000 | 673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,181,000 | 15,794,000 | 15,826,000 | 15,932,000 |
| Total capital | 17,173,000 | 16,805,000 | 16,830,000 | 16,930,000 |
| Risk-weighted assets | 79,249,000 | 80,708,000 | 80,061,000 | 79,576,000 |