Call reports 2019
SANGER BANK — 2019
What SANGER 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 | 137,534,000 | 138,944,000 | 141,406,000 | 146,087,000 |
| Total loans | 70,643,000 | 72,507,000 | 72,431,000 | 73,772,000 |
| Allowance for loan losses | 815,000 | 830,000 | 845,000 | 860,000 |
| Securities available for sale | 6,563,000 | 5,780,000 | 4,737,000 | 3,858,000 |
| Securities held to maturity | 23,739,000 | 22,603,000 | 23,676,000 | 22,642,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,904,000 | 117,888,000 | 119,805,000 | 124,723,000 |
| Interest-bearing deposits | 83,777,000 | 82,971,000 | 84,944,000 | 91,622,000 |
| Noninterest-bearing deposits | 33,127,000 | 34,917,000 | 34,861,000 | 33,102,000 |
| Equity capital | 20,350,000 | 20,778,000 | 21,213,000 | 21,238,000 |
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 | 1,418,000 | 2,918,000 | 4,473,000 | 5,973,000 |
| Interest expense | 199,000 | 430,000 | 676,000 | 917,000 |
| Net interest income | 1,219,000 | 2,488,000 | 3,797,000 | 5,056,000 |
| Noninterest income | 188,000 | 380,000 | 620,000 | 805,000 |
| Noninterest expense | 972,000 | 1,957,000 | 2,947,000 | 3,851,000 |
| Provision for loan losses | 10,000 | 25,000 | 41,000 | 56,000 |
| Pretax income | 425,000 | 892,000 | 1,435,000 | 1,960,000 |
| Income tax | 67,000 | 140,000 | 245,000 | 336,000 |
| Net income | 358,000 | 752,000 | 1,190,000 | 1,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,346,000 | 20,741,000 | 21,179,000 | 21,199,000 |
| Total capital | 21,161,000 | 21,571,000 | 22,024,000 | 22,059,000 |
| Risk-weighted assets | 74,000,000 | 79,765,000 | 75,011,000 | 80,969,000 |