Call reports 2020
EASTERN COLORADO BANK, THE — 2020
What EASTERN COLORADO BANK, THE 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 | 448,787,000 | 503,814,000 | 519,708,000 | 538,027,000 |
| Total loans | 315,651,000 | 340,723,000 | 337,225,000 | 334,389,000 |
| Allowance for loan losses | 4,213,000 | 4,611,000 | 4,808,000 | 4,909,000 |
| Securities available for sale | 74,194,000 | 79,892,000 | 87,007,000 | 90,869,000 |
| Securities held to maturity | 0 | 500,000 | 2,750,000 | 5,750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,878,000 | 431,233,000 | 435,443,000 | 453,909,000 |
| Interest-bearing deposits | 279,226,000 | 310,159,000 | 316,929,000 | 318,376,000 |
| Noninterest-bearing deposits | 100,652,000 | 121,074,000 | 118,514,000 | 135,533,000 |
| Equity capital | 50,318,000 | 55,734,000 | 67,252,000 | 68,375,000 |
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 | 5,114,000 | 10,967,000 | 16,100,000 | 21,515,000 |
| Interest expense | 863,000 | 1,615,000 | 2,311,000 | 2,943,000 |
| Net interest income | 4,251,000 | 9,352,000 | 13,789,000 | 18,572,000 |
| Noninterest income | 337,000 | 619,000 | 960,000 | 1,333,000 |
| Noninterest expense | 2,613,000 | 5,599,000 | 8,171,000 | 11,868,000 |
| Provision for loan losses | 180,000 | 560,000 | 740,000 | 830,000 |
| Pretax income | 2,043,000 | 4,157,000 | 6,183,000 | 7,552,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,043,000 | 4,157,000 | 6,183,000 | 7,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,980,000 | 49,114,000 | 60,160,000 | 58,723,000 |
| Total capital | 52,193,000 | 53,663,000 | 64,782,000 | 63,473,000 |
| Risk-weighted assets | 347,626,000 | 363,897,000 | 369,574,000 | 379,847,000 |