Call reports 2019
SPRATT SAVINGS BANK — 2019
What SPRATT SAVINGS BANK 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 | 119,843,000 | 119,636,000 | 119,994,000 | 130,412,000 |
| Total loans | 35,033,000 | 36,013,000 | 35,678,000 | 35,789,000 |
| Allowance for loan losses | 1,167,000 | 1,167,000 | 1,167,000 | 1,167,000 |
| Securities available for sale | 33,491,000 | 32,561,000 | 30,238,000 | 28,054,000 |
| Securities held to maturity | 31,555,000 | 31,981,000 | 32,776,000 | 35,059,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,058,000 | 90,454,000 | 90,563,000 | 100,967,000 |
| Interest-bearing deposits | 82,846,000 | 82,991,000 | 84,475,000 | 93,605,000 |
| Noninterest-bearing deposits | 8,212,000 | 7,463,000 | 6,088,000 | 7,362,000 |
| Equity capital | 28,555,000 | 28,987,000 | 29,228,000 | 29,254,000 |
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 | 987,000 | 2,044,000 | 3,046,000 | 3,961,000 |
| Interest expense | 204,000 | 416,000 | 639,000 | 880,000 |
| Net interest income | 783,000 | 1,628,000 | 2,407,000 | 3,081,000 |
| Noninterest income | 47,000 | 95,000 | 148,000 | 205,000 |
| Noninterest expense | 595,000 | 1,262,000 | 1,932,000 | 2,630,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 235,000 | 370,000 | 533,000 | 628,000 |
| Income tax | 52,000 | 79,000 | 113,000 | 130,000 |
| Net income | 183,000 | 291,000 | 420,000 | 498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,851,000 | 28,960,000 | 29,087,000 | 29,166,000 |
| Total capital | 29,396,000 | 29,503,000 | 29,641,000 | 29,721,000 |
| Risk-weighted assets | 43,027,000 | 42,862,000 | 43,723,000 | 43,791,000 |