Call reports 2021
READLYN SAVINGS BANK, THE — 2021
What READLYN SAVINGS BANK, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 83,842,000 | 82,497,000 | 82,082,000 | 141,679,000 |
| Total loans | 55,052,000 | 51,730,000 | 52,567,000 | 84,885,000 |
| Allowance for loan losses | 777,000 | 794,000 | 792,000 | 1,132,000 |
| Securities available for sale | 13,140,000 | 14,423,000 | 15,414,000 | 36,844,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,039,000 | 58,521,000 | 58,093,000 | 106,689,000 |
| Interest-bearing deposits | 48,091,000 | 48,440,000 | 47,354,000 | 86,076,000 |
| Noninterest-bearing deposits | 11,948,000 | 10,081,000 | 10,739,000 | 20,613,000 |
| Equity capital | 12,997,000 | 13,217,000 | 13,228,000 | 24,361,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 907,000 | 1,753,000 | 2,472,000 | 5,222,000 |
| Interest expense | 189,000 | 375,000 | 548,000 | 961,000 |
| Net interest income | 718,000 | 1,378,000 | 1,924,000 | 4,261,000 |
| Noninterest income | 11,000 | 27,000 | 21,000 | 90,000 |
| Noninterest expense | 281,000 | 571,000 | 870,000 | 2,020,000 |
| Provision for loan losses | 30,000 | 60,000 | 70,000 | 70,000 |
| Pretax income | 418,000 | 774,000 | 1,005,000 | 2,261,000 |
| Income tax | 20,000 | 39,000 | 59,000 | 108,000 |
| Net income | 398,000 | 735,000 | 946,000 | 2,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,856,000 | 13,043,000 | 13,103,000 | 24,086,000 |
| Total capital | 13,591,000 | 13,739,000 | 13,809,000 | 25,218,000 |
| Risk-weighted assets | 58,813,000 | 55,642,000 | 56,435,000 | 98,253,000 |