Call reports 2020
STANDING STONE BANK — 2020
What STANDING STONE 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 | 101,914,000 | 106,721,000 | 106,210,000 | 107,034,000 |
| Total loans | 73,469,000 | 81,217,000 | 79,117,000 | 77,890,000 |
| Allowance for loan losses | 747,000 | 755,000 | 728,000 | 691,000 |
| Securities available for sale | 12,705,000 | 12,994,000 | 16,303,000 | 18,197,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,653,000 | 88,315,000 | 88,339,000 | 91,149,000 |
| Interest-bearing deposits | 74,379,000 | 67,782,000 | 64,644,000 | 66,536,000 |
| Noninterest-bearing deposits | 15,274,000 | 20,533,000 | 23,695,000 | 24,613,000 |
| Equity capital | 9,622,000 | 9,782,000 | 9,975,000 | 10,170,000 |
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 | 1,071,000 | 2,135,000 | 3,172,000 | 4,265,000 |
| Interest expense | 217,000 | 385,000 | 535,000 | 646,000 |
| Net interest income | 854,000 | 1,750,000 | 2,637,000 | 3,619,000 |
| Noninterest income | 224,000 | 423,000 | 643,000 | 907,000 |
| Noninterest expense | 837,000 | 1,678,000 | 2,567,000 | 3,487,000 |
| Provision for loan losses | 33,000 | 78,000 | 88,000 | 88,000 |
| Pretax income | 261,000 | 470,000 | 678,000 | 1,004,000 |
| Income tax | 51,000 | 91,000 | 131,000 | 196,000 |
| Net income | 210,000 | 379,000 | 547,000 | 808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,377,000 | 9,510,000 | 9,611,000 | 9,822,000 |
| Total capital | 10,124,000 | 10,265,000 | 10,339,000 | 10,513,000 |
| Risk-weighted assets | 71,259,000 | 68,791,000 | 67,407,000 | 65,794,000 |