Call reports 2020
SCALE BANK — 2020
What SCALE BANK 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 | 605,475,000 | 768,948,000 | 971,866,000 | 859,978,000 |
| Total loans | 519,611,000 | 681,546,000 | 842,564,000 | 710,148,000 |
| Allowance for loan losses | 4,583,000 | 4,587,000 | 4,792,000 | 4,846,000 |
| Securities available for sale | 40,116,000 | 39,014,000 | 42,707,000 | 41,351,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,464,000 | 594,737,000 | 718,650,000 | 665,410,000 |
| Interest-bearing deposits | 272,753,000 | 408,876,000 | 511,217,000 | 440,541,000 |
| Noninterest-bearing deposits | 125,711,000 | 185,861,000 | 207,433,000 | 224,869,000 |
| Equity capital | 92,698,000 | 95,056,000 | 101,689,000 | 103,220,000 |
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 | 6,816,000 | 13,907,000 | 22,080,000 | 31,177,000 |
| Interest expense | 490,000 | 859,000 | 1,268,000 | 1,605,000 |
| Net interest income | 6,326,000 | 13,048,000 | 20,812,000 | 29,572,000 |
| Noninterest income | 339,000 | 650,000 | 945,000 | 1,269,000 |
| Noninterest expense | 4,095,000 | 8,746,000 | 11,299,000 | 15,930,000 |
| Provision for loan losses | 450,000 | 577,000 | 826,000 | 806,000 |
| Pretax income | 2,151,000 | 4,414,000 | 9,671,000 | 14,154,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,151,000 | 4,414,000 | 9,671,000 | 14,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,031,000 | 60,459,000 | 67,377,000 | 69,221,000 |
| Total capital | 62,614,000 | 65,046,000 | — | — |
| Risk-weighted assets | 516,044,000 | 553,971,000 | — | — |