Call reports 2020
INEZ DEPOSIT BANK — 2020
What INEZ DEPOSIT 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 | 140,703,000 | 149,454,000 | 148,829,000 | 152,951,000 |
| Total loans | 48,385,000 | 46,675,000 | 44,832,000 | 42,383,000 |
| Allowance for loan losses | 696,000 | 677,000 | 680,000 | 662,000 |
| Securities available for sale | 48,935,000 | 58,685,000 | 47,548,000 | 41,312,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,062,000 | 128,561,000 | 127,820,000 | 139,576,000 |
| Interest-bearing deposits | 94,623,000 | 97,416,000 | 97,842,000 | 101,043,000 |
| Noninterest-bearing deposits | 25,439,000 | 31,145,000 | 29,978,000 | 38,533,000 |
| Equity capital | 20,148,000 | 20,274,000 | 20,291,000 | 12,701,000 |
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 | 1,134,000 | 2,068,000 | 2,957,000 | 3,770,000 |
| Interest expense | 176,000 | 352,000 | 517,000 | 671,000 |
| Net interest income | 958,000 | 1,716,000 | 2,440,000 | 3,099,000 |
| Noninterest income | 341,000 | 579,000 | 929,000 | 1,145,000 |
| Noninterest expense | 1,113,000 | 2,016,000 | 3,033,000 | 4,091,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 202,000 | 265,000 | 292,000 | 109,000 |
| Income tax | 37,000 | 44,000 | 53,000 | -3,000 |
| Net income | 165,000 | 221,000 | 239,000 | 112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,233,000 | 19,289,000 | 19,307,000 | 11,680,000 |
| Total capital | — | — | 19,856,000 | 12,191,000 |
| Risk-weighted assets | — | — | 43,845,000 | 40,785,000 |