Call reports 2020
BREDA SAVINGS BANK — 2020
What BREDA SAVINGS 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 | 61,470,000 | 66,250,000 | 68,209,000 | 69,213,000 |
| Total loans | 39,778,000 | 41,719,000 | 40,662,000 | 38,353,000 |
| Allowance for loan losses | 406,000 | 406,000 | 406,000 | 406,000 |
| Securities available for sale | 19,098,000 | 20,557,000 | 24,587,000 | 27,501,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,720,000 | 43,075,000 | 44,415,000 | 48,560,000 |
| Interest-bearing deposits | 26,862,000 | 29,084,000 | 29,168,000 | 29,898,000 |
| Noninterest-bearing deposits | 12,858,000 | 13,990,000 | 15,247,000 | 18,661,000 |
| Equity capital | 7,366,000 | 7,453,000 | 7,959,000 | 7,410,000 |
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 | 657,000 | 1,285,000 | 1,882,000 | 2,584,000 |
| Interest expense | 139,000 | 244,000 | 334,000 | 424,000 |
| Net interest income | 518,000 | 1,041,000 | 1,548,000 | 2,160,000 |
| Noninterest income | 80,000 | 127,000 | 249,000 | 311,000 |
| Noninterest expense | 296,000 | 606,000 | 927,000 | 1,326,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 302,000 | 562,000 | 870,000 | 1,144,000 |
| Income tax | 0 | 20,000 | 30,000 | 57,000 |
| Net income | 302,000 | 542,000 | 840,000 | 1,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,827,000 | 7,817,000 | 8,115,000 | 7,565,000 |