Call reports 2019
SMALL BUSINESS BANK — 2019
What SMALL BUSINESS BANK 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 | 68,440,000 | 67,339,000 | 65,880,000 | 60,231,000 |
| Total loans | 44,476,000 | 44,626,000 | 45,905,000 | 45,482,000 |
| Allowance for loan losses | 778,000 | 751,000 | 745,000 | 748,000 |
| Securities available for sale | 13,947,000 | 13,021,000 | 8,914,000 | 7,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,613,000 | 57,435,000 | 55,813,000 | 50,099,000 |
| Interest-bearing deposits | 27,876,000 | 25,962,000 | 24,259,000 | 19,243,000 |
| Noninterest-bearing deposits | 30,737,000 | 31,473,000 | 31,554,000 | 30,856,000 |
| Equity capital | 9,770,000 | 9,873,000 | 9,988,000 | 10,085,000 |
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 | 659,000 | 1,354,000 | 2,056,000 | 2,738,000 |
| Interest expense | 121,000 | 247,000 | 355,000 | 448,000 |
| Net interest income | 538,000 | 1,107,000 | 1,701,000 | 2,290,000 |
| Noninterest income | 140,000 | 280,000 | 429,000 | 593,000 |
| Noninterest expense | 667,000 | 1,370,000 | 2,039,000 | 2,700,000 |
| Provision for loan losses | 13,000 | 13,000 | 16,000 | 20,000 |
| Pretax income | 33,000 | 44,000 | 122,000 | 211,000 |
| Income tax | -4,000 | -12,000 | -2,000 | 9,000 |
| Net income | 37,000 | 56,000 | 124,000 | 202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,729,000 | 9,748,000 | 9,816,000 | 9,893,000 |
| Total capital | 10,319,000 | 10,341,000 | 10,409,000 | 10,457,000 |
| Risk-weighted assets | 47,062,000 | 47,334,000 | 47,288,000 | 44,960,000 |