Call reports 2021
SANGER BANK — 2021
What SANGER BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 180,089,000 | 179,121,000 | 185,247,000 | 187,932,000 |
| Total loans | 89,252,000 | 89,011,000 | 94,411,000 | 100,834,000 |
| Allowance for loan losses | 955,000 | 1,006,000 | 1,043,000 | 1,098,000 |
| Securities available for sale | 3,606,000 | 2,534,000 | 2,380,000 | 2,712,000 |
| Securities held to maturity | 18,091,000 | 20,607,000 | 20,988,000 | 20,751,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,963,000 | 151,874,000 | 157,546,000 | 160,586,000 |
| Interest-bearing deposits | 106,611,000 | 108,163,000 | 111,144,000 | 115,086,000 |
| Noninterest-bearing deposits | 46,352,000 | 43,711,000 | 46,402,000 | 45,500,000 |
| Equity capital | 22,648,000 | 26,291,000 | 26,619,000 | 26,545,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,516,000 | 2,993,000 | 4,479,000 | 6,056,000 |
| Interest expense | 171,000 | 331,000 | 479,000 | 621,000 |
| Net interest income | 1,345,000 | 2,662,000 | 4,000,000 | 5,435,000 |
| Noninterest income | 173,000 | 363,000 | 553,000 | 746,000 |
| Noninterest expense | 1,079,000 | 2,172,000 | 3,246,000 | 4,298,000 |
| Provision for loan losses | 37,000 | 59,000 | 95,000 | 216,000 |
| Pretax income | 402,000 | 794,000 | 1,212,000 | 1,667,000 |
| Income tax | 69,000 | 135,000 | 215,000 | 301,000 |
| Net income | 333,000 | 659,000 | 997,000 | 1,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,594,000 | 26,241,000 | 26,580,000 | 26,518,000 |
| Total capital | 23,549,000 | 27,247,000 | 27,623,000 | 27,616,000 |
| Risk-weighted assets | 88,718,000 | 87,440,000 | 93,489,000 | 100,468,000 |