Call reports 2018
READLYN SAVINGS BANK, THE — 2018
What READLYN SAVINGS BANK, THE 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 | 73,887,000 | 73,614,000 | 73,649,000 | 74,578,000 |
| Total loans | 53,477,000 | 54,019,000 | 54,401,000 | 54,989,000 |
| Allowance for loan losses | 598,000 | 613,000 | 621,000 | 628,000 |
| Securities available for sale | 18,191,000 | 17,548,000 | 17,075,000 | 17,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,841,000 | 52,392,000 | 50,098,000 | 51,909,000 |
| Interest-bearing deposits | 46,857,000 | 45,231,000 | 43,148,000 | 43,558,000 |
| Noninterest-bearing deposits | 6,984,000 | 7,161,000 | 6,950,000 | 8,351,000 |
| Equity capital | 10,567,000 | 10,591,000 | 10,815,000 | 11,263,000 |
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 | 807,000 | 1,634,000 | 2,473,000 | 3,333,000 |
| Interest expense | 210,000 | 436,000 | 665,000 | 917,000 |
| Net interest income | 597,000 | 1,198,000 | 1,808,000 | 2,416,000 |
| Noninterest income | 17,000 | 45,000 | 61,000 | 78,000 |
| Noninterest expense | 258,000 | 504,000 | 771,000 | 1,042,000 |
| Provision for loan losses | 15,000 | 30,000 | 38,000 | 45,000 |
| Pretax income | 341,000 | 709,000 | 1,060,000 | 1,407,000 |
| Income tax | 18,000 | 36,000 | 54,000 | 70,000 |
| Net income | 323,000 | 673,000 | 1,006,000 | 1,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,575,000 | 10,626,000 | 10,958,000 | 11,290,000 |
| Total capital | 11,173,000 | 11,239,000 | 11,579,000 | 11,918,000 |
| Risk-weighted assets | 59,043,000 | 58,327,000 | 58,235,000 | 58,715,000 |