Call reports 2021
PICKENS SAVINGS AND LOAN ASSOCIATION, FEDERAL ASSOCIATION — 2021
What PICKENS SAVINGS AND LOAN ASSOCIATION, FEDERAL ASSOCIATION 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 | 115,613,000 | 117,330,000 | 119,090,000 | 121,044,000 |
| Total loans | 60,981,000 | 60,745,000 | 59,369,000 | 58,216,000 |
| Allowance for loan losses | 846,000 | 905,000 | 905,000 | 905,000 |
| Securities available for sale | 37,768,000 | 40,191,000 | 40,545,000 | 40,226,000 |
| Securities held to maturity | 2,209,000 | 2,207,000 | 2,454,000 | 3,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,327,000 | 100,139,000 | 101,842,000 | 103,782,000 |
| Interest-bearing deposits | 92,762,000 | 95,498,000 | 96,830,000 | 98,853,000 |
| Noninterest-bearing deposits | 4,565,000 | 4,641,000 | 5,012,000 | 4,929,000 |
| Equity capital | 12,296,000 | 12,851,000 | 12,945,000 | 13,009,000 |
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 | 989,000 | 1,990,000 | 2,893,000 | 3,801,000 |
| Interest expense | 97,000 | 182,000 | 247,000 | 307,000 |
| Net interest income | 892,000 | 1,808,000 | 2,646,000 | 3,494,000 |
| Noninterest income | 62,000 | 137,000 | 208,000 | 290,000 |
| Noninterest expense | 729,000 | 1,468,000 | 2,219,000 | 2,922,000 |
| Provision for loan losses | -1,000 | -1,000 | 0 | 0 |
| Pretax income | 226,000 | 478,000 | 636,000 | 864,000 |
| Income tax | 35,000 | 69,000 | 79,000 | 105,000 |
| Net income | 191,000 | 409,000 | 557,000 | 759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,537,000 | 11,759,000 | 11,908,000 | 12,113,000 |
| Total capital | 12,201,000 | 12,419,000 | 12,563,000 | 12,755,000 |
| Risk-weighted assets | 52,924,000 | 52,522,000 | 52,120,000 | 51,103,000 |