Call reports 2019
RG BANK, A SAVINGS AND LOAN ASSOCIATION — 2019
What RG BANK, A SAVINGS AND LOAN ASSOCIATION 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 | 107,778,000 | 106,458,000 | 108,413,000 | 111,226,000 |
| Total loans | 85,789,000 | 86,636,000 | 87,920,000 | 92,933,000 |
| Allowance for loan losses | 840,000 | 851,000 | 858,000 | 875,000 |
| Securities available for sale | 9,406,000 | 9,146,000 | 8,759,000 | 7,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,347,000 | 91,748,000 | 95,195,000 | 98,900,000 |
| Interest-bearing deposits | 78,403,000 | 78,506,000 | 80,170,000 | 82,842,000 |
| Noninterest-bearing deposits | 13,944,000 | 13,242,000 | 15,025,000 | 16,058,000 |
| Equity capital | 11,877,000 | 12,093,000 | 12,122,000 | 12,134,000 |
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 | 1,134,000 | 2,277,000 | 3,447,000 | 4,713,000 |
| Interest expense | 130,000 | 284,000 | 452,000 | 618,000 |
| Net interest income | 1,004,000 | 1,993,000 | 2,995,000 | 4,095,000 |
| Noninterest income | 91,000 | 261,000 | 364,000 | 374,000 |
| Noninterest expense | 968,000 | 1,986,000 | 3,057,000 | 4,135,000 |
| Provision for loan losses | 6,000 | 18,000 | 30,000 | 48,000 |
| Pretax income | 105,000 | 234,000 | 268,000 | 291,000 |
| Income tax | 15,000 | 37,000 | 44,000 | 58,000 |
| Net income | 90,000 | 197,000 | 224,000 | 233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,012,000 | 12,118,000 | 12,145,000 | 12,155,000 |
| Total capital | 12,826,000 | 12,946,000 | 12,967,000 | 13,030,000 |
| Risk-weighted assets | 65,156,000 | 66,227,000 | 65,742,000 | 71,847,000 |