Call reports 2019
READLYN SAVINGS BANK, THE — 2019
What READLYN SAVINGS BANK, THE 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 | 74,108,000 | 75,658,000 | 75,208,000 | 77,501,000 |
| Total loans | 55,499,000 | 56,569,000 | 56,337,000 | 55,093,000 |
| Allowance for loan losses | 636,000 | 643,000 | 651,000 | 641,000 |
| Securities available for sale | 16,757,000 | 15,806,000 | 15,915,000 | 15,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,011,000 | 53,243,000 | 52,435,000 | 54,685,000 |
| Interest-bearing deposits | 44,762,000 | 44,501,000 | 45,067,000 | 46,510,000 |
| Noninterest-bearing deposits | 7,249,000 | 8,742,000 | 7,368,000 | 8,175,000 |
| Equity capital | 11,751,000 | 11,997,000 | 12,124,000 | 12,257,000 |
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 | 855,000 | 1,734,000 | 2,631,000 | 3,509,000 |
| Interest expense | 252,000 | 511,000 | 772,000 | 1,039,000 |
| Net interest income | 603,000 | 1,223,000 | 1,859,000 | 2,470,000 |
| Noninterest income | 15,000 | 55,000 | 76,000 | 95,000 |
| Noninterest expense | 267,000 | 610,000 | 828,000 | 1,132,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 345,000 | 658,000 | 1,089,000 | 1,408,000 |
| Income tax | 18,000 | 39,000 | 60,000 | 70,000 |
| Net income | 327,000 | 619,000 | 1,029,000 | 1,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,616,000 | 11,759,000 | 11,869,000 | 12,028,000 |
| Total capital | 12,252,000 | 12,402,000 | 12,520,000 | 12,669,000 |
| Risk-weighted assets | 58,747,000 | 59,066,000 | 58,248,000 | 58,158,000 |
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