Call reports 2021
CARVER STATE BANK — 2021
What CARVER STATE BANK 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 | 67,252,000 | 70,455,000 | 59,628,000 | 62,192,000 |
| Total loans | 35,890,000 | 37,913,000 | 30,840,000 | 28,674,000 |
| Allowance for loan losses | 314,000 | 270,000 | 903,000 | 764,000 |
| Securities available for sale | 1,494,000 | 1,491,000 | 1,491,000 | 1,476,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,497,000 | 58,141,000 | 46,822,000 | 49,313,000 |
| Interest-bearing deposits | 37,687,000 | 28,976,000 | 29,224,000 | 29,311,000 |
| Noninterest-bearing deposits | 17,810,000 | 29,165,000 | 17,599,000 | 20,002,000 |
| Equity capital | 7,105,000 | 8,244,000 | 8,441,000 | 8,344,000 |
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 | 571,000 | 1,280,000 | 1,747,000 | 2,445,000 |
| Interest expense | 67,000 | 116,000 | 162,000 | 231,000 |
| Net interest income | 504,000 | 1,164,000 | 1,585,000 | 2,214,000 |
| Noninterest income | 101,000 | 154,000 | 1,195,000 | 1,323,000 |
| Noninterest expense | 436,000 | 864,000 | 1,530,000 | 2,115,000 |
| Provision for loan losses | 0 | 0 | 600,000 | 600,000 |
| Pretax income | 169,000 | 454,000 | 650,000 | 822,000 |
| Income tax | 0 | 138,000 | 138,000 | 395,000 |
| Net income | 169,000 | 316,000 | 512,000 | 427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,009,000 | 8,216,000 | 8,412,000 | 8,303,000 |