Call reports 2020
GOLDEN BELT BANK, FSA — 2020
What GOLDEN BELT BANK, FSA 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 | 239,913,000 | 265,847,000 | 266,075,000 | 261,881,000 |
| Total loans | 177,873,000 | 188,309,000 | 189,688,000 | 169,343,000 |
| Allowance for loan losses | 2,086,000 | 2,186,000 | 2,275,000 | 2,362,000 |
| Securities available for sale | 27,031,000 | 26,526,000 | 29,533,000 | 28,233,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,729,000 | 220,723,000 | 220,228,000 | 218,756,000 |
| Interest-bearing deposits | 162,391,000 | 172,214,000 | 171,178,000 | 171,771,000 |
| Noninterest-bearing deposits | 36,338,000 | 48,509,000 | 49,050,000 | 46,985,000 |
| Equity capital | 33,218,000 | 34,304,000 | 35,181,000 | 35,067,000 |
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 | 2,390,000 | 4,700,000 | 7,067,000 | 9,307,000 |
| Interest expense | 271,000 | 523,000 | 753,000 | 954,000 |
| Net interest income | 2,119,000 | 4,177,000 | 6,314,000 | 8,353,000 |
| Noninterest income | 739,000 | 1,906,000 | 3,216,000 | 4,511,000 |
| Noninterest expense | 1,732,000 | 3,492,000 | 5,245,000 | 7,437,000 |
| Provision for loan losses | 45,000 | 235,000 | 325,000 | 415,000 |
| Pretax income | 1,081,000 | 2,356,000 | 3,960,000 | 5,012,000 |
| Income tax | 30,000 | 82,000 | 127,000 | 168,000 |
| Net income | 1,051,000 | 2,274,000 | 3,833,000 | 4,844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,453,000 | 29,962,000 | 30,669,000 | 30,615,000 |