Call reports 2020
WORTHINGTON FEDERAL SAVINGS BANK, F.S.B. — 2020
What WORTHINGTON FEDERAL SAVINGS BANK, F.S.B. 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 | 79,925,000 | 82,155,000 | 86,210,000 | 90,320,000 |
| Total loans | 55,966,000 | 56,718,000 | 56,138,000 | 57,008,000 |
| Allowance for loan losses | 236,000 | 241,000 | 246,000 | 251,000 |
| Securities available for sale | 8,915,000 | 10,206,000 | 11,010,000 | 13,801,000 |
| Securities held to maturity | 163,000 | 153,000 | 141,000 | 131,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,693,000 | 68,308,000 | 72,152,000 | 76,152,000 |
| Interest-bearing deposits | 62,564,000 | 64,960,000 | 68,496,000 | 71,512,000 |
| Noninterest-bearing deposits | 3,129,000 | 3,348,000 | 3,656,000 | 4,640,000 |
| Equity capital | 12,908,000 | 13,219,000 | 13,387,000 | 13,527,000 |
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 | 756,000 | 1,535,000 | 2,304,000 | 3,059,000 |
| Interest expense | 149,000 | 287,000 | 412,000 | 529,000 |
| Net interest income | 607,000 | 1,248,000 | 1,892,000 | 2,530,000 |
| Noninterest income | 9,000 | 14,000 | 28,000 | 37,000 |
| Noninterest expense | 430,000 | 855,000 | 1,288,000 | 1,771,000 |
| Provision for loan losses | 5,000 | 10,000 | 15,000 | 20,000 |
| Pretax income | 181,000 | 397,000 | 617,000 | 776,000 |
| Income tax | 56,000 | 122,000 | 190,000 | 238,000 |
| Net income | 125,000 | 275,000 | 427,000 | 538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,835,000 | 12,985,000 | 13,137,000 | 13,248,000 |
| Total capital | 13,071,000 | 13,226,000 | 13,383,000 | 13,499,000 |
| Risk-weighted assets | 33,379,000 | 34,029,000 | 33,594,000 | 35,369,000 |