Call reports 2020
FRAZER BANK — 2020
What FRAZER 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 | 286,230,000 | 300,075,000 | 283,623,000 | 313,596,000 |
| Total loans | 172,617,000 | 173,790,000 | 177,457,000 | 181,008,000 |
| Allowance for loan losses | 2,136,000 | 2,212,000 | 2,159,000 | 2,189,000 |
| Securities available for sale | 68,878,000 | 65,425,000 | 59,865,000 | 55,397,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,453,000 | 253,074,000 | 244,328,000 | 279,222,000 |
| Interest-bearing deposits | 196,333,000 | 196,365,000 | 189,060,000 | 214,040,000 |
| Noninterest-bearing deposits | 49,120,000 | 56,709,000 | 55,268,000 | 65,182,000 |
| Equity capital | 28,483,000 | 29,561,000 | 29,681,000 | 28,096,000 |
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 | 2,902,000 | 6,052,000 | 8,610,000 | 11,076,000 |
| Interest expense | 570,000 | 1,030,000 | 1,369,000 | 1,663,000 |
| Net interest income | 2,332,000 | 5,022,000 | 7,241,000 | 9,413,000 |
| Noninterest income | 205,000 | 35,000 | 142,000 | -2,135,000 |
| Noninterest expense | 1,945,000 | 4,110,000 | 6,310,000 | 8,410,000 |
| Provision for loan losses | 335,000 | 430,000 | 500,000 | 535,000 |
| Pretax income | 257,000 | 517,000 | 573,000 | -1,667,000 |
| Income tax | 0 | 0 | -391,000 | -1,146,000 |
| Net income | 257,000 | 517,000 | 964,000 | -521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,451,000 | 28,342,000 | 28,659,000 | 27,160,000 |
| Total capital | 30,587,000 | 30,554,000 | 30,818,000 | 29,349,000 |
| Risk-weighted assets | 206,806,000 | 203,198,000 | 206,221,000 | 211,163,000 |