Call reports 2019
PICKENS SAVINGS AND LOAN ASSOCIATION, FEDERAL ASSOCIATION — 2019
What PICKENS SAVINGS AND LOAN ASSOCIATION, FEDERAL ASSOCIATION 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 | 93,245,000 | 92,656,000 | 95,676,000 | 100,823,000 |
| Total loans | 52,182,000 | 53,822,000 | 54,431,000 | 56,115,000 |
| Allowance for loan losses | 848,000 | 848,000 | 860,000 | 851,000 |
| Securities available for sale | 24,851,000 | 25,566,000 | 29,783,000 | 28,078,000 |
| Securities held to maturity | 2,349,000 | 2,347,000 | 2,344,000 | 2,342,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,044,000 | 73,110,000 | 74,215,000 | 80,590,000 |
| Interest-bearing deposits | 72,089,000 | 70,466,000 | 71,457,000 | 77,774,000 |
| Noninterest-bearing deposits | 1,955,000 | 2,644,000 | 2,758,000 | 2,816,000 |
| Equity capital | 10,778,000 | 11,177,000 | 11,378,000 | 11,365,000 |
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 | 908,000 | 1,836,000 | 2,776,000 | 3,712,000 |
| Interest expense | 152,000 | 314,000 | 482,000 | 662,000 |
| Net interest income | 756,000 | 1,522,000 | 2,294,000 | 3,050,000 |
| Noninterest income | 50,000 | 190,000 | 246,000 | 302,000 |
| Noninterest expense | 625,000 | 1,354,000 | 2,041,000 | 2,754,000 |
| Provision for loan losses | 1,000 | 1,000 | 13,000 | 3,000 |
| Pretax income | 181,000 | 358,000 | 517,000 | 628,000 |
| Income tax | 25,000 | 46,000 | 72,000 | 77,000 |
| Net income | 156,000 | 312,000 | 445,000 | 551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,727,000 | 10,879,000 | 11,055,000 | 10,953,000 |
| Total capital | 11,351,000 | 11,502,000 | 11,684,000 | 11,591,000 |
| Risk-weighted assets | 49,668,000 | 49,620,000 | 50,127,000 | 50,734,000 |