Call reports 2020
CARVER STATE BANK — 2020
What CARVER STATE BANK 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 | 46,124,000 | 52,676,000 | 48,387,000 | 52,273,000 |
| Total loans | 27,076,000 | 34,983,000 | 34,674,000 | 34,524,000 |
| Allowance for loan losses | 265,000 | 265,000 | 270,000 | 276,000 |
| Securities available for sale | 3,061,000 | 3,056,000 | 3,052,000 | 1,501,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,957,000 | 43,434,000 | 39,050,000 | 42,142,000 |
| Interest-bearing deposits | 27,427,000 | 27,840,000 | 26,642,000 | 27,112,000 |
| Noninterest-bearing deposits | 8,530,000 | 15,594,000 | 12,408,000 | 15,030,000 |
| Equity capital | 4,568,000 | 4,592,000 | 4,665,000 | 5,440,000 |
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 | 528,000 | 975,000 | 1,717,000 | 2,209,000 |
| Interest expense | 85,000 | 165,000 | 227,000 | 285,000 |
| Net interest income | 443,000 | 810,000 | 1,490,000 | 1,924,000 |
| Noninterest income | 59,000 | 278,000 | 139,000 | 292,000 |
| Noninterest expense | 497,000 | 896,000 | 1,360,000 | 1,824,000 |
| Provision for loan losses | 0 | 115,000 | 115,000 | 185,000 |
| Pretax income | 5,000 | 77,000 | 154,000 | 207,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 5,000 | 77,000 | 154,000 | 207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,506,000 | 4,488,000 | 4,563,000 | 5,340,000 |