Call reports 2020
DURAND STATE BANK — 2020
What DURAND STATE 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 | 106,300,000 | 115,630,000 | 118,450,000 | 120,562,000 |
| Total loans | 58,222,000 | 59,453,000 | 57,875,000 | 57,126,000 |
| Allowance for loan losses | 738,000 | 751,000 | 753,000 | 751,000 |
| Securities available for sale | 27,889,000 | 29,048,000 | 29,644,000 | 33,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,467,000 | 102,034,000 | 104,717,000 | 106,728,000 |
| Interest-bearing deposits | 81,148,000 | 85,670,000 | 88,199,000 | 88,077,000 |
| Noninterest-bearing deposits | 13,319,000 | 16,364,000 | 16,518,000 | 18,651,000 |
| Equity capital | 11,442,000 | 12,894,000 | 13,061,000 | 13,129,000 |
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 | 942,000 | 1,853,000 | 2,696,000 | 3,466,000 |
| Interest expense | 182,000 | 318,000 | 448,000 | 575,000 |
| Net interest income | 760,000 | 1,535,000 | 2,248,000 | 2,891,000 |
| Noninterest income | 87,000 | 172,000 | 247,000 | 365,000 |
| Noninterest expense | 644,000 | 1,195,000 | 1,840,000 | 2,466,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 203,000 | 512,000 | 687,000 | 822,000 |
| Income tax | 32,000 | 90,000 | 112,000 | 119,000 |
| Net income | 171,000 | 422,000 | 575,000 | 703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,111,000 | 12,362,000 | 12,515,000 | 12,454,000 |
| Total capital | 12,849,000 | 13,113,000 | 13,268,000 | 13,205,000 |
| Risk-weighted assets | 66,424,000 | 68,028,000 | 69,728,000 | 69,028,000 |