Call reports 2018
CARVER STATE BANK — 2018
What CARVER STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 41,098,000 | 41,188,000 | 39,686,000 | 39,508,000 |
| Total loans | 25,951,000 | 25,889,000 | 25,430,000 | 25,262,000 |
| Allowance for loan losses | 373,000 | 337,000 | 373,000 | 348,000 |
| Securities available for sale | 1,781,000 | 1,775,000 | 2,762,000 | 2,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,589,000 | 33,394,000 | 31,720,000 | 31,776,000 |
| Interest-bearing deposits | 27,274,000 | 27,325,000 | 26,282,000 | 25,617,000 |
| Noninterest-bearing deposits | 6,315,000 | 6,069,000 | 5,438,000 | 6,158,000 |
| Equity capital | 3,891,000 | 4,102,000 | 4,307,000 | 4,086,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 495,000 | 1,029,000 | 1,685,000 | 2,136,000 |
| Interest expense | 68,000 | 145,000 | 219,000 | 283,000 |
| Net interest income | 427,000 | 884,000 | 1,466,000 | 1,853,000 |
| Noninterest income | 189,000 | 583,000 | 546,000 | 624,000 |
| Noninterest expense | 581,000 | 1,202,000 | 1,497,000 | 2,093,000 |
| Provision for loan losses | 27,000 | 42,000 | 82,000 | 92,000 |
| Pretax income | 8,000 | 223,000 | 433,000 | 292,000 |
| Income tax | 0 | 0 | 0 | 89,000 |
| Net income | 8,000 | 223,000 | 433,000 | 203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,891,000 | 4,102,000 | 4,128,000 | 3,938,000 |
| Total capital | 4,242,000 | 4,439,000 | 4,468,000 | 4,276,000 |
| Risk-weighted assets | 28,109,000 | 27,503,000 | 27,205,000 | 27,016,000 |