Call reports 2019
ERGO BANK — 2019
What ERGO 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 | 84,834,000 | 89,100,000 | 91,080,000 | 91,191,000 |
| Total loans | 65,094,000 | 69,342,000 | 68,689,000 | 70,080,000 |
| Allowance for loan losses | 1,095,000 | 1,203,000 | 1,231,000 | 900,000 |
| Securities available for sale | 9,632,000 | 9,506,000 | 11,204,000 | 11,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,052,000 | 77,254,000 | 78,947,000 | 79,060,000 |
| Interest-bearing deposits | 68,823,000 | 72,594,000 | 71,665,000 | 71,600,000 |
| Noninterest-bearing deposits | 4,230,000 | 4,660,000 | 7,282,000 | 7,460,000 |
| Equity capital | 11,473,000 | 11,537,000 | 11,801,000 | 11,837,000 |
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 | 994,000 | 2,022,000 | 3,079,000 | 4,156,000 |
| Interest expense | 169,000 | 357,000 | 568,000 | 772,000 |
| Net interest income | 825,000 | 1,665,000 | 2,511,000 | 3,384,000 |
| Noninterest income | 87,000 | 246,000 | 417,000 | 548,000 |
| Noninterest expense | 704,000 | 1,458,000 | 2,151,000 | 2,965,000 |
| Provision for loan losses | 146,000 | 273,000 | 319,000 | 364,000 |
| Pretax income | 62,000 | 180,000 | 458,000 | 603,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 62,000 | 180,000 | 458,000 | 603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,201,000 | 11,186,000 | 11,409,000 | 11,496,000 |
| Total capital | 12,073,000 | 12,102,000 | 12,325,000 | 12,396,000 |
| Risk-weighted assets | 69,543,000 | 72,844,000 | 72,817,000 | 73,449,000 |