Call reports 2021
SPRATT SAVINGS BANK — 2021
What SPRATT SAVINGS BANK 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 | 146,997,000 | 147,160,000 | 146,700,000 | 154,078,000 |
| Total loans | 41,776,000 | 41,215,000 | 40,669,000 | 41,504,000 |
| Allowance for loan losses | 1,164,000 | 1,164,000 | 1,164,000 | 1,164,000 |
| Securities available for sale | 18,645,000 | 16,328,000 | 14,976,000 | 13,092,000 |
| Securities held to maturity | 37,437,000 | 42,038,000 | 49,382,000 | 56,199,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,476,000 | 116,504,000 | 116,302,000 | 123,968,000 |
| Interest-bearing deposits | 106,494,000 | 104,937,000 | 105,822,000 | 109,041,000 |
| Noninterest-bearing deposits | 9,982,000 | 11,567,000 | 10,480,000 | 14,927,000 |
| Equity capital | 30,146,000 | 30,233,000 | 30,096,000 | 29,930,000 |
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 | 916,000 | 1,881,000 | 2,644,000 | 3,458,000 |
| Interest expense | 224,000 | 448,000 | 663,000 | 875,000 |
| Net interest income | 692,000 | 1,433,000 | 1,981,000 | 2,583,000 |
| Noninterest income | 111,000 | 184,000 | 248,000 | 302,000 |
| Noninterest expense | 667,000 | 1,348,000 | 2,066,000 | 2,783,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 186,000 | 319,000 | 213,000 | 157,000 |
| Income tax | 45,000 | 79,000 | 51,000 | 35,000 |
| Net income | 141,000 | 240,000 | 162,000 | 122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,708,000 | 29,808,000 | 29,729,000 | 29,689,000 |
| Total capital | 30,352,000 | — | — | — |
| Risk-weighted assets | 51,003,000 | — | — | — |