Call reports 2020
SPRATT SAVINGS BANK — 2020
What SPRATT SAVINGS BANK 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 | 136,891,000 | 142,442,000 | 144,984,000 | 142,850,000 |
| Total loans | 37,999,000 | 41,241,000 | 40,338,000 | 39,380,000 |
| Allowance for loan losses | 1,167,000 | 1,167,000 | 1,164,000 | 1,163,000 |
| Securities available for sale | 27,387,000 | 26,126,000 | 23,487,000 | 21,910,000 |
| Securities held to maturity | 37,963,000 | 37,033,000 | 34,026,000 | 32,103,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,568,000 | 111,215,000 | 114,345,000 | 112,305,000 |
| Interest-bearing deposits | 96,196,000 | 101,297,000 | 101,626,000 | 103,626,000 |
| Noninterest-bearing deposits | 10,372,000 | 9,918,000 | 12,719,000 | 8,679,000 |
| Equity capital | 29,946,000 | 30,265,000 | 30,227,000 | 30,181,000 |
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 | 979,000 | 2,087,000 | 2,948,000 | 3,786,000 |
| Interest expense | 253,000 | 502,000 | 747,000 | 990,000 |
| Net interest income | 726,000 | 1,585,000 | 2,201,000 | 2,796,000 |
| Noninterest income | 246,000 | 337,000 | 420,000 | 535,000 |
| Noninterest expense | 711,000 | 1,387,000 | 2,070,000 | 2,805,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 262,000 | 536,000 | 552,000 | 527,000 |
| Income tax | 63,000 | 130,000 | 132,000 | 119,000 |
| Net income | 199,000 | 406,000 | 420,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,365,000 | 29,572,000 | 29,586,000 | 29,573,000 |
| Total capital | 29,949,000 | 30,204,000 | 30,266,000 | 30,232,000 |
| Risk-weighted assets | 46,155,000 | 50,088,000 | 53,987,000 | 52,247,000 |