Call reports 2019
SCALE BANK — 2019
What SCALE 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 | 473,958,000 | 568,976,000 | 614,265,000 | 534,016,000 |
| Total loans | 363,638,000 | 455,967,000 | 506,292,000 | 441,515,000 |
| Allowance for loan losses | 4,151,000 | 4,397,000 | 4,399,000 | 4,169,000 |
| Securities available for sale | 65,529,000 | 63,759,000 | 52,260,000 | 51,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,782,000 | 395,722,000 | 408,507,000 | 430,895,000 |
| Interest-bearing deposits | 239,902,000 | 255,217,000 | 269,713,000 | 292,042,000 |
| Noninterest-bearing deposits | 120,880,000 | 140,505,000 | 138,794,000 | 138,853,000 |
| Equity capital | 88,974,000 | 92,367,000 | 93,596,000 | 90,567,000 |
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 | 7,155,000 | 14,946,000 | 22,831,000 | 30,327,000 |
| Interest expense | 783,000 | 1,855,000 | 3,067,000 | 3,940,000 |
| Net interest income | 6,372,000 | 13,091,000 | 19,764,000 | 26,387,000 |
| Noninterest income | 330,000 | 673,000 | 1,012,000 | 1,360,000 |
| Noninterest expense | 3,954,000 | 8,279,000 | 12,119,000 | 15,516,000 |
| Provision for loan losses | 200,000 | 454,000 | 454,000 | 1,265,000 |
| Pretax income | 2,548,000 | 5,031,000 | 8,203,000 | 10,966,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,548,000 | 5,031,000 | 8,203,000 | 10,966,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,360,000 | 58,007,000 | 59,345,000 | 56,500,000 |
| Total capital | 59,511,000 | 62,404,000 | 63,744,000 | 60,669,000 |
| Risk-weighted assets | 364,885,000 | 456,168,000 | 505,720,000 | 435,728,000 |