Call reports 2019
LEADERS BANK, THE — 2019
What LEADERS BANK, THE 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 | 324,681,000 | 340,353,000 | 335,661,000 | 355,934,000 |
| Total loans | 267,402,000 | 279,153,000 | 276,556,000 | 262,662,000 |
| Allowance for loan losses | 3,578,000 | 3,653,000 | 3,741,000 | 3,872,000 |
| Securities available for sale | 22,025,000 | 21,014,000 | 20,218,000 | 22,243,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,910,000 | 277,525,000 | 272,660,000 | 300,790,000 |
| Interest-bearing deposits | 208,993,000 | 226,033,000 | 225,559,000 | 249,132,000 |
| Noninterest-bearing deposits | 58,917,000 | 51,492,000 | 47,101,000 | 51,658,000 |
| Equity capital | 41,232,000 | 42,208,000 | 43,142,000 | 43,772,000 |
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 | 3,810,000 | 7,827,000 | 11,915,000 | 15,955,000 |
| Interest expense | 945,000 | 2,117,000 | 3,417,000 | 4,796,000 |
| Net interest income | 2,865,000 | 5,710,000 | 8,498,000 | 11,159,000 |
| Noninterest income | 114,000 | 218,000 | 374,000 | 537,000 |
| Noninterest expense | 2,034,000 | 4,078,000 | 6,063,000 | 8,127,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 870,000 | 1,700,000 | 2,584,000 | 3,269,000 |
| Income tax | -11,000 | -11,000 | -11,000 | -11,000 |
| Net income | 881,000 | 1,711,000 | 2,595,000 | 3,280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,831,000 | 39,680,000 | 40,605,000 | 41,308,000 |
| Total capital | 42,245,000 | 43,232,000 | 44,128,000 | 44,646,000 |
| Risk-weighted assets | 272,432,000 | 283,561,000 | 281,159,000 | 266,014,000 |