Call reports 2020
SAINTS AVENUE BANK — 2020
What SAINTS AVENUE 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 | 107,072,000 | 118,706,000 | 118,932,000 | 127,070,000 |
| Total loans | 85,612,000 | 90,181,000 | 88,488,000 | 85,841,000 |
| Allowance for loan losses | 818,000 | 879,000 | 731,000 | 771,000 |
| Securities available for sale | 9,190,000 | 9,243,000 | 9,658,000 | 13,610,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,125,000 | 103,121,000 | 103,229,000 | 111,339,000 |
| Interest-bearing deposits | 76,355,000 | 78,723,000 | 82,960,000 | 89,804,000 |
| Noninterest-bearing deposits | 15,770,000 | 24,398,000 | 20,269,000 | 21,535,000 |
| Equity capital | 8,326,000 | 8,569,000 | 8,650,000 | 8,852,000 |
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 | 1,219,000 | 2,443,000 | 3,649,000 | 4,962,000 |
| Interest expense | 251,000 | 469,000 | 680,000 | 876,000 |
| Net interest income | 968,000 | 1,974,000 | 2,969,000 | 4,086,000 |
| Noninterest income | 107,000 | 236,000 | 395,000 | 493,000 |
| Noninterest expense | 948,000 | 2,028,000 | 3,017,000 | 4,038,000 |
| Provision for loan losses | 20,000 | 81,000 | 171,000 | 181,000 |
| Pretax income | 107,000 | 101,000 | 176,000 | 360,000 |
| Income tax | 7,000 | 10,000 | 7,000 | 0 |
| Net income | 100,000 | 91,000 | 169,000 | 360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,100,000 | 8,342,000 | 8,421,000 | 8,616,000 |
| Total capital | 8,918,000 | 9,221,000 | 9,152,000 | 9,387,000 |
| Risk-weighted assets | 87,533,000 | 85,633,000 | 87,252,000 | 90,024,000 |