Call reports 2020
SAVINGS BANK, THE — 2020
What SAVINGS BANK, THE 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 | 364,646,000 | 380,621,000 | 390,499,000 | 387,882,000 |
| Total loans | 236,908,000 | 232,282,000 | 226,779,000 | 221,627,000 |
| Allowance for loan losses | 2,430,000 | 2,592,000 | 2,694,000 | 2,642,000 |
| Securities available for sale | 85,639,000 | 99,235,000 | 117,848,000 | 124,000,000 |
| Securities held to maturity | 252,000 | 252,000 | 252,000 | 195,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,566,000 | 314,694,000 | 322,538,000 | 332,638,000 |
| Interest-bearing deposits | 240,520,000 | 248,409,000 | 254,188,000 | 256,913,000 |
| Noninterest-bearing deposits | 59,046,000 | 66,285,000 | 68,350,000 | 75,725,000 |
| Equity capital | 42,033,000 | 42,743,000 | 43,485,000 | 41,983,000 |
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 | 3,427,000 | 6,673,000 | 9,888,000 | 13,011,000 |
| Interest expense | 632,000 | 1,155,000 | 1,615,000 | 2,082,000 |
| Net interest income | 2,795,000 | 5,518,000 | 8,273,000 | 10,929,000 |
| Noninterest income | 392,000 | 1,121,000 | 1,912,000 | 2,754,000 |
| Noninterest expense | 2,934,000 | 5,414,000 | 7,907,000 | 10,497,000 |
| Provision for loan losses | 305,000 | 515,000 | 655,000 | 655,000 |
| Pretax income | -52,000 | 710,000 | 1,623,000 | 2,620,000 |
| Income tax | 10,000 | 70,000 | 215,000 | 393,000 |
| Net income | -62,000 | 640,000 | 1,408,000 | 2,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,751,000 | 40,004,000 | 40,623,000 | 39,236,000 |
| Total capital | 42,181,000 | 42,596,000 | 43,248,000 | 41,812,000 |
| Risk-weighted assets | 206,191,000 | 208,344,000 | 209,783,000 | 206,042,000 |