Call reports 2020
RG BANK, A SAVINGS AND LOAN ASSOCIATION — 2020
What RG BANK, A SAVINGS AND LOAN ASSOCIATION 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 | 112,817,000 | 120,715,000 | 122,799,000 | 129,515,000 |
| Total loans | 93,430,000 | 95,458,000 | 95,265,000 | 90,330,000 |
| Allowance for loan losses | 892,000 | 913,000 | 988,000 | 1,001,000 |
| Securities available for sale | 6,814,000 | 9,299,000 | 10,272,000 | 13,084,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,574,000 | 108,116,000 | 109,919,000 | 116,460,000 |
| Interest-bearing deposits | 83,567,000 | 87,360,000 | 88,972,000 | 93,679,000 |
| Noninterest-bearing deposits | 17,007,000 | 20,756,000 | 20,947,000 | 22,781,000 |
| Equity capital | 12,175,000 | 12,464,000 | 12,659,000 | 12,855,000 |
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 | 1,221,000 | 2,477,000 | 3,802,000 | 5,099,000 |
| Interest expense | 159,000 | 312,000 | 456,000 | 592,000 |
| Net interest income | 1,062,000 | 2,165,000 | 3,346,000 | 4,507,000 |
| Noninterest income | 93,000 | 224,000 | 348,000 | 428,000 |
| Noninterest expense | 1,021,000 | 2,052,000 | 3,065,000 | 4,141,000 |
| Provision for loan losses | 18,000 | 45,000 | 120,000 | 138,000 |
| Pretax income | 118,000 | 292,000 | 511,000 | 658,000 |
| Income tax | 22,000 | 68,000 | 107,000 | 127,000 |
| Net income | 96,000 | 224,000 | 404,000 | 531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,251,000 | 12,379,000 | 12,559,000 | 12,686,000 |