Call reports 2020
SANGER BANK — 2020
What SANGER 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 | 141,054,000 | 154,155,000 | 160,148,000 | 162,738,000 |
| Total loans | 73,943,000 | 79,955,000 | 81,630,000 | 86,232,000 |
| Allowance for loan losses | 875,000 | 900,000 | 925,000 | 918,000 |
| Securities available for sale | 3,014,000 | 2,882,000 | 2,714,000 | 2,560,000 |
| Securities held to maturity | 19,980,000 | 20,356,000 | 20,996,000 | 20,038,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,098,000 | 131,771,000 | 133,230,000 | 136,129,000 |
| Interest-bearing deposits | 84,976,000 | 90,694,000 | 90,372,000 | 94,577,000 |
| Noninterest-bearing deposits | 34,122,000 | 41,077,000 | 42,858,000 | 41,552,000 |
| Equity capital | 21,653,000 | 22,004,000 | 22,359,000 | 22,324,000 |
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 | 1,472,000 | 2,963,000 | 4,417,000 | 5,865,000 |
| Interest expense | 240,000 | 451,000 | 643,000 | 828,000 |
| Net interest income | 1,232,000 | 2,512,000 | 3,774,000 | 5,037,000 |
| Noninterest income | 199,000 | 367,000 | 556,000 | 739,000 |
| Noninterest expense | 970,000 | 1,984,000 | 2,984,000 | 3,987,000 |
| Provision for loan losses | 15,000 | 40,000 | 65,000 | 90,000 |
| Pretax income | 446,000 | 855,000 | 1,281,000 | 1,699,000 |
| Income tax | 64,000 | 124,000 | 192,000 | 260,000 |
| Net income | 382,000 | 731,000 | 1,089,000 | 1,439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,581,000 | 21,930,000 | 22,288,000 | 22,261,000 |
| Total capital | 22,456,000 | 22,830,000 | 23,213,000 | 23,179,000 |
| Risk-weighted assets | 79,626,000 | 74,755,000 | 78,057,000 | 84,575,000 |