Call reports 2019
CARVER STATE BANK — 2019
What CARVER STATE BANK 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 | 42,699,000 | 41,789,000 | 41,252,000 | 42,300,000 |
| Total loans | 24,577,000 | 25,248,000 | 24,749,000 | 26,907,000 |
| Allowance for loan losses | 411,000 | 277,000 | 274,000 | 243,000 |
| Securities available for sale | 3,284,000 | 3,048,000 | 2,550,000 | 3,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,661,000 | 33,785,000 | 33,203,000 | 34,188,000 |
| Interest-bearing deposits | 24,919,000 | 25,218,000 | 25,024,000 | 27,200,000 |
| Noninterest-bearing deposits | 9,742,000 | 8,567,000 | 8,179,000 | 6,989,000 |
| Equity capital | 4,394,000 | 4,394,000 | 4,429,000 | 4,510,000 |
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 | 548,000 | 1,061,000 | 1,632,000 | 2,181,000 |
| Interest expense | 74,000 | 128,000 | 227,000 | 303,000 |
| Net interest income | 474,000 | 933,000 | 1,405,000 | 1,878,000 |
| Noninterest income | 231,000 | 351,000 | 381,000 | 636,000 |
| Noninterest expense | 508,000 | 1,017,000 | 1,484,000 | 2,062,000 |
| Provision for loan losses | 65,000 | 145,000 | 145,000 | 170,000 |
| Pretax income | 132,000 | 122,000 | 157,000 | 282,000 |
| Income tax | 28,000 | 28,000 | 28,000 | 73,000 |
| Net income | 104,000 | 94,000 | 129,000 | 209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,301,000 | 4,295,000 | 4,330,000 | 4,408,000 |
| Total capital | 4,626,000 | 4,572,000 | 4,604,000 | 4,651,000 |
| Risk-weighted assets | 25,904,000 | 26,707,000 | 26,878,000 | 28,285,000 |