Call reports 2018
SANGER BANK — 2018
What SANGER BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 133,841,000 | 132,494,000 | 133,014,000 | 132,763,000 |
| Total loans | 66,333,000 | 66,208,000 | 68,418,000 | 67,711,000 |
| Allowance for loan losses | 790,000 | 791,000 | 805,000 | 805,000 |
| Securities available for sale | 8,183,000 | 7,738,000 | 6,986,000 | 6,881,000 |
| Securities held to maturity | 24,746,000 | 24,916,000 | 24,293,000 | 23,821,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,404,000 | 112,713,000 | 112,808,000 | 112,741,000 |
| Interest-bearing deposits | 84,431,000 | 80,536,000 | 79,650,000 | 81,450,000 |
| Noninterest-bearing deposits | 29,973,000 | 32,177,000 | 33,158,000 | 31,291,000 |
| Equity capital | 19,186,000 | 19,519,000 | 19,896,000 | 19,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,301,000 | 2,636,000 | 4,001,000 | 5,454,000 |
| Interest expense | 141,000 | 294,000 | 461,000 | 643,000 |
| Net interest income | 1,160,000 | 2,342,000 | 3,540,000 | 4,811,000 |
| Noninterest income | 185,000 | 382,000 | 562,000 | 736,000 |
| Noninterest expense | 879,000 | 1,757,000 | 2,625,000 | 3,593,000 |
| Provision for loan losses | 11,000 | 12,000 | 26,000 | 26,000 |
| Pretax income | 455,000 | 955,000 | 1,451,000 | 1,928,000 |
| Income tax | 65,000 | 159,000 | 246,000 | 329,000 |
| Net income | 390,000 | 796,000 | 1,205,000 | 1,599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,249,000 | 19,594,000 | 20,004,000 | 19,988,000 |
| Total capital | 20,039,000 | 20,385,000 | 20,809,000 | 20,793,000 |
| Risk-weighted assets | 68,629,000 | 68,896,000 | 70,772,000 | 69,983,000 |