Call reports 2018
SAVOY BANK — 2018
What SAVOY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 309,759,000 | 348,471,000 | 334,617,000 | 349,511,000 |
| Total loans | 269,558,000 | 276,604,000 | 284,149,000 | 311,120,000 |
| Allowance for loan losses | 3,807,000 | 4,404,000 | 4,984,000 | 4,723,000 |
| Securities available for sale | 3,147,000 | 3,029,000 | 3,445,000 | 3,402,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,356,000 | 307,617,000 | 291,926,000 | 301,147,000 |
| Interest-bearing deposits | 215,608,000 | 254,408,000 | 252,978,000 | 265,167,000 |
| Noninterest-bearing deposits | 54,748,000 | 53,209,000 | 38,948,000 | 35,980,000 |
| Equity capital | 30,601,000 | 31,851,000 | 32,628,000 | 35,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,321,000 | 9,208,000 | 14,036,000 | 19,500,000 |
| Interest expense | 905,000 | 1,937,000 | 3,206,000 | 4,509,000 |
| Net interest income | 3,416,000 | 7,271,000 | 10,830,000 | 14,991,000 |
| Noninterest income | 1,185,000 | 1,916,000 | 2,358,000 | 2,872,000 |
| Noninterest expense | 2,299,000 | 4,663,000 | 7,108,000 | 9,532,000 |
| Provision for loan losses | 772,000 | 1,303,000 | 1,828,000 | 2,503,000 |
| Pretax income | 1,530,000 | 3,221,000 | 4,252,000 | 5,828,000 |
| Income tax | 381,000 | 812,000 | 1,046,000 | 825,000 |
| Net income | 1,149,000 | 2,409,000 | 3,206,000 | 5,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,444,000 | 31,714,000 | 32,525,000 | 34,780,000 |
| Total capital | 33,862,000 | 35,232,000 | 36,143,000 | 38,279,000 |
| Risk-weighted assets | 272,980,000 | 280,557,000 | 288,095,000 | 278,638,000 |