Call reports 2020
READLYN SAVINGS BANK, THE — 2020
What READLYN SAVINGS BANK, THE 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 | 78,300,000 | 82,654,000 | 81,651,000 | 82,689,000 |
| Total loans | 56,378,000 | 56,394,000 | 56,372,000 | 55,636,000 |
| Allowance for loan losses | 657,000 | 687,000 | 717,000 | 747,000 |
| Securities available for sale | 14,130,000 | 13,003,000 | 12,520,000 | 13,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,429,000 | 59,074,000 | 58,050,000 | 59,009,000 |
| Interest-bearing deposits | 48,148,000 | 49,397,000 | 48,326,000 | 44,399,000 |
| Noninterest-bearing deposits | 7,281,000 | 9,677,000 | 9,724,000 | 14,610,000 |
| Equity capital | 12,311,000 | 12,675,000 | 12,767,000 | 12,889,000 |
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 | 856,000 | 1,746,000 | 2,530,000 | 3,306,000 |
| Interest expense | 262,000 | 507,000 | 728,000 | 929,000 |
| Net interest income | 594,000 | 1,239,000 | 1,802,000 | 2,377,000 |
| Noninterest income | 24,000 | 38,000 | 50,000 | 63,000 |
| Noninterest expense | 262,000 | 543,000 | 815,000 | 1,095,000 |
| Provision for loan losses | 15,000 | 45,000 | 75,000 | 105,000 |
| Pretax income | 342,000 | 690,000 | 963,000 | 1,241,000 |
| Income tax | 20,000 | 39,000 | 59,000 | 62,000 |
| Net income | 322,000 | 651,000 | 904,000 | 1,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,200,000 | 12,379,000 | 12,482,000 | 12,608,000 |
| Total capital | 12,857,000 | 13,066,000 | 13,199,000 | 13,339,000 |
| Risk-weighted assets | 58,825,000 | 59,676,000 | 58,990,000 | 58,512,000 |