Call reports 2020
PAPER CITY SAVINGS BANK, S.A. — 2020
What PAPER CITY SAVINGS BANK, S.A. 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 | 180,352,000 | 198,241,000 | 204,093,000 | 211,543,000 |
| Total loans | 142,515,000 | 133,557,000 | 125,591,000 | 131,515,000 |
| Allowance for loan losses | 327,000 | 625,000 | 625,000 | 750,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,206,000 | 2,107,000 | 695,000 | 446,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,048,000 | 160,990,000 | 166,598,000 | 173,968,000 |
| Interest-bearing deposits | 138,505,000 | 146,255,000 | 150,088,000 | 154,982,000 |
| Noninterest-bearing deposits | 10,543,000 | 14,735,000 | 16,510,000 | 18,986,000 |
| Equity capital | 24,294,000 | 25,018,000 | 25,634,000 | 26,005,000 |
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 | 1,666,000 | 3,327,000 | 4,762,000 | 6,153,000 |
| Interest expense | 450,000 | 909,000 | 1,365,000 | 1,804,000 |
| Net interest income | 1,216,000 | 2,418,000 | 3,397,000 | 4,349,000 |
| Noninterest income | 430,000 | 2,089,000 | 3,437,000 | 4,701,000 |
| Noninterest expense | 1,245,000 | 2,799,000 | 4,277,000 | 5,857,000 |
| Provision for loan losses | 2,000 | 312,000 | 312,000 | 437,000 |
| Pretax income | 399,000 | 1,396,000 | 2,245,000 | 2,756,000 |
| Income tax | 109,000 | 382,000 | 615,000 | 755,000 |
| Net income | 290,000 | 1,014,000 | 1,630,000 | 2,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,294,000 | 25,018,000 | 25,634,000 | 25,897,000 |
| Total capital | 24,621,000 | 25,643,000 | 26,259,000 | 26,647,000 |
| Risk-weighted assets | 120,259,000 | 123,305,000 | 122,122,000 | 129,764,000 |