Call reports 2019
BREDA SAVINGS BANK — 2019
What BREDA SAVINGS 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 | 58,608,000 | 61,438,000 | 64,213,000 | 62,615,000 |
| Total loans | 34,501,000 | 38,456,000 | 39,606,000 | 39,068,000 |
| Allowance for loan losses | 406,000 | 406,000 | 406,000 | 406,000 |
| Securities available for sale | 20,651,000 | 20,171,000 | 21,639,000 | 19,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,120,000 | 40,709,000 | 40,021,000 | 38,018,000 |
| Interest-bearing deposits | 29,508,000 | 30,704,000 | 28,933,000 | 26,878,000 |
| Noninterest-bearing deposits | 9,612,000 | 10,005,000 | 11,088,000 | 11,140,000 |
| Equity capital | 6,968,000 | 6,882,000 | 7,138,000 | 7,190,000 |
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 | 633,000 | 1,289,000 | 1,961,000 | 2,583,000 |
| Interest expense | 151,000 | 309,000 | 476,000 | 625,000 |
| Net interest income | 482,000 | 980,000 | 1,485,000 | 1,958,000 |
| Noninterest income | 73,000 | 119,000 | 195,000 | 285,000 |
| Noninterest expense | 314,000 | 629,000 | 938,000 | 1,303,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 241,000 | 470,000 | 742,000 | 913,000 |
| Income tax | 0 | 8,000 | 26,000 | 36,000 |
| Net income | 241,000 | 462,000 | 716,000 | 877,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,408,000 | 7,159,000 | 7,414,000 | 7,525,000 |
| Total capital | 7,814,000 | 7,565,000 | 7,820,000 | 7,931,000 |
| Risk-weighted assets | 39,462,000 | 42,735,000 | 44,109,000 | 43,072,000 |