Call reports 2019
STOUGHTON CO-OPERATIVE BANK — 2019
What STOUGHTON CO-OPERATIVE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 116,840,000 | 118,227,000 | 119,071,000 | 118,497,000 |
| Total loans | 85,954,000 | 86,135,000 | 87,563,000 | 88,971,000 |
| Allowance for loan losses | 640,000 | 640,000 | 640,000 | 644,000 |
| Securities available for sale | 25,342,000 | 24,501,000 | 22,693,000 | 21,782,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,229,000 | 108,033,000 | 108,429,000 | 107,576,000 |
| Interest-bearing deposits | 102,971,000 | 104,289,000 | 105,447,000 | 103,016,000 |
| Noninterest-bearing deposits | 3,258,000 | 3,744,000 | 2,982,000 | 4,560,000 |
| Equity capital | 9,403,000 | 9,925,000 | 10,106,000 | 10,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 996,000 | 2,013,000 | 3,033,000 | 4,050,000 |
| Interest expense | 292,000 | 607,000 | 938,000 | 1,270,000 |
| Net interest income | 704,000 | 1,406,000 | 2,095,000 | 2,780,000 |
| Noninterest income | 57,000 | 107,000 | 161,000 | 218,000 |
| Noninterest expense | 690,000 | 1,367,000 | 2,022,000 | 2,697,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 71,000 | 157,000 | 270,000 | 333,000 |
| Income tax | 4,000 | 7,000 | 22,000 | 27,000 |
| Net income | 67,000 | 150,000 | 248,000 | 306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,081,000 | 10,164,000 | 10,262,000 | 10,320,000 |
| Total capital | 10,721,000 | 10,804,000 | 10,902,000 | 10,964,000 |
| Risk-weighted assets | 67,572,000 | 67,060,000 | 66,968,000 | 66,892,000 |