Call reports 2019
SAVOY BANK — 2019
What SAVOY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 371,781,000 | 367,084,000 | 381,689,000 | 382,692,000 |
| Total loans | 310,935,000 | 309,448,000 | 325,856,000 | 332,251,000 |
| Allowance for loan losses | 4,629,000 | 4,898,000 | 4,709,000 | 5,262,000 |
| Securities available for sale | 3,385,000 | 3,373,000 | 3,078,000 | 2,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,034,000 | 311,076,000 | 324,333,000 | 325,855,000 |
| Interest-bearing deposits | 290,065,000 | 281,248,000 | 286,253,000 | 286,474,000 |
| Noninterest-bearing deposits | 31,969,000 | 29,829,000 | 38,080,000 | 39,381,000 |
| Equity capital | 36,798,000 | 38,022,000 | 39,300,000 | 40,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,729,000 | 11,424,000 | 17,492,000 | 23,531,000 |
| Interest expense | 1,548,000 | 3,239,000 | 5,030,000 | 6,781,000 |
| Net interest income | 4,181,000 | 8,185,000 | 12,462,000 | 16,750,000 |
| Noninterest income | 1,120,000 | 2,127,000 | 3,105,000 | 4,374,000 |
| Noninterest expense | 2,821,000 | 5,608,000 | 8,248,000 | 11,276,000 |
| Provision for loan losses | 815,000 | 1,465,000 | 2,465,000 | 2,840,000 |
| Pretax income | 1,665,000 | 3,239,000 | 4,854,000 | 7,008,000 |
| Income tax | 420,000 | 816,000 | 1,170,000 | 1,673,000 |
| Net income | 1,245,000 | 2,423,000 | 3,684,000 | 5,335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,093,000 | 37,254,000 | 38,505,000 | 40,163,000 |
| Total capital | 39,633,000 | 40,824,000 | 42,254,000 | 44,065,000 |
| Risk-weighted assets | 282,082,000 | 284,222,000 | 298,918,000 | 310,745,000 |