Call reports 2019
SAVINGS BANK, THE — 2019
What SAVINGS BANK, THE 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 | 351,221,000 | 340,847,000 | 350,412,000 | 352,429,000 |
| Total loans | 205,959,000 | 210,709,000 | 219,920,000 | 230,326,000 |
| Allowance for loan losses | 2,089,000 | 2,049,000 | 2,065,000 | 2,124,000 |
| Securities available for sale | 99,198,000 | 101,806,000 | 99,022,000 | 89,055,000 |
| Securities held to maturity | 0 | 306,000 | 306,000 | 252,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,630,000 | 293,148,000 | 288,825,000 | 287,980,000 |
| Interest-bearing deposits | 250,655,000 | 241,126,000 | 233,286,000 | 230,521,000 |
| Noninterest-bearing deposits | 57,975,000 | 52,022,000 | 55,539,000 | 57,459,000 |
| Equity capital | 38,910,000 | 40,649,000 | 41,560,000 | 41,240,000 |
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 | 3,253,000 | 6,545,000 | 9,873,000 | 13,372,000 |
| Interest expense | 661,000 | 1,302,000 | 1,921,000 | 2,574,000 |
| Net interest income | 2,592,000 | 5,243,000 | 7,952,000 | 10,798,000 |
| Noninterest income | 356,000 | 694,000 | 1,100,000 | 1,546,000 |
| Noninterest expense | 2,387,000 | 4,785,000 | 7,121,000 | 9,565,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 120,000 |
| Pretax income | 576,000 | 1,167,000 | 1,940,000 | 2,698,000 |
| Income tax | 65,000 | 127,000 | 248,000 | 361,000 |
| Net income | 511,000 | 1,040,000 | 1,692,000 | 2,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,848,000 | 40,227,000 | 40,413,000 | 40,213,000 |
| Total capital | 41,937,000 | 42,276,000 | 42,478,000 | 42,337,000 |
| Risk-weighted assets | 198,926,000 | 200,122,000 | 204,279,000 | 204,683,000 |