Call reports 2018
SPRATT SAVINGS BANK — 2018
What SPRATT SAVINGS BANK 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 | 114,859,000 | 117,681,000 | 116,363,000 | 118,347,000 |
| Total loans | 32,689,000 | 32,955,000 | 33,752,000 | 34,412,000 |
| Allowance for loan losses | 1,167,000 | 1,167,000 | 1,167,000 | 1,167,000 |
| Securities available for sale | 38,473,000 | 37,417,000 | 35,861,000 | 34,926,000 |
| Securities held to maturity | 23,629,000 | 25,612,000 | 28,096,000 | 29,932,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,946,000 | 89,520,000 | 88,463,000 | 90,046,000 |
| Interest-bearing deposits | 79,657,000 | 82,087,000 | 82,259,000 | 83,129,000 |
| Noninterest-bearing deposits | 7,289,000 | 7,433,000 | 6,204,000 | 6,917,000 |
| Equity capital | 27,747,000 | 27,730,000 | 27,715,000 | 28,111,000 |
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 | 848,000 | 1,725,000 | 2,658,000 | 3,628,000 |
| Interest expense | 170,000 | 349,000 | 545,000 | 745,000 |
| Net interest income | 678,000 | 1,376,000 | 2,113,000 | 2,883,000 |
| Noninterest income | 44,000 | 95,000 | 136,000 | 185,000 |
| Noninterest expense | 629,000 | 1,265,000 | 1,865,000 | 2,483,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 93,000 | 205,000 | 383,000 | 583,000 |
| Income tax | 17,000 | 38,000 | 76,000 | 117,000 |
| Net income | 76,000 | 167,000 | 307,000 | 466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,278,000 | 28,368,000 | 28,509,000 | 28,668,000 |
| Total capital | 28,778,000 | 28,873,000 | 29,019,000 | 29,194,000 |
| Risk-weighted assets | 39,390,000 | 39,753,000 | 40,221,000 | 41,454,000 |