Call reports 2020
BANK OF DELIGHT — 2020
What BANK OF DELIGHT 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 | 145,561,000 | 156,066,000 | 156,453,000 | 157,473,000 |
| Total loans | 110,683,000 | 114,614,000 | 112,863,000 | 115,665,000 |
| Allowance for loan losses | 970,000 | 1,310,000 | 969,000 | 972,000 |
| Securities available for sale | 3,617,000 | 4,013,000 | 3,570,000 | 3,407,000 |
| Securities held to maturity | 8,257,000 | 7,759,000 | 9,298,000 | 12,291,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,028,000 | 123,612,000 | 123,857,000 | 125,484,000 |
| Interest-bearing deposits | 102,506,000 | 105,450,000 | 104,211,000 | 105,440,000 |
| Noninterest-bearing deposits | 15,522,000 | 18,162,000 | 19,646,000 | 20,044,000 |
| Equity capital | 19,044,000 | 19,330,000 | 19,764,000 | 19,481,000 |
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 | 1,610,000 | 3,096,000 | 4,575,000 | 6,027,000 |
| Interest expense | 484,000 | 923,000 | 1,340,000 | 1,737,000 |
| Net interest income | 1,126,000 | 2,173,000 | 3,235,000 | 4,290,000 |
| Noninterest income | 80,000 | 266,000 | 353,000 | 452,000 |
| Noninterest expense | 670,000 | 1,280,000 | 1,916,000 | 2,671,000 |
| Provision for loan losses | 25,000 | 375,000 | 425,000 | 425,000 |
| Pretax income | 511,000 | 784,000 | 1,247,000 | 1,646,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 511,000 | 784,000 | 1,247,000 | 1,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,155,000 | 19,330,000 | 19,764,000 | 19,481,000 |
| Total capital | 20,125,000 | — | — | — |
| Risk-weighted assets | 113,898,000 | — | — | — |