Call reports 2020
SMALL BUSINESS BANK — 2020
What SMALL BUSINESS 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 | 58,021,000 | 73,103,000 | 74,142,000 | 72,140,000 |
| Total loans | 45,439,000 | 54,247,000 | 58,498,000 | 54,593,000 |
| Allowance for loan losses | 747,000 | 733,000 | 742,000 | 745,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,829,000 | 62,754,000 | 63,572,000 | 61,342,000 |
| Interest-bearing deposits | 17,297,000 | 17,050,000 | 18,794,000 | 19,881,000 |
| Noninterest-bearing deposits | 30,532,000 | 45,704,000 | 44,778,000 | 41,461,000 |
| Equity capital | 10,146,000 | 10,269,000 | 10,444,000 | 10,640,000 |
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 | 648,000 | 1,447,000 | 2,358,000 | 3,275,000 |
| Interest expense | 71,000 | 126,000 | 173,000 | 224,000 |
| Net interest income | 577,000 | 1,321,000 | 2,185,000 | 3,051,000 |
| Noninterest income | 140,000 | 261,000 | 400,000 | 581,000 |
| Noninterest expense | 680,000 | 1,389,000 | 2,143,000 | 2,961,000 |
| Provision for loan losses | 1,000 | 1,000 | 25,000 | 27,000 |
| Pretax income | 44,000 | 200,000 | 427,000 | 656,000 |
| Income tax | 4,000 | 38,000 | 89,000 | 123,000 |
| Net income | 40,000 | 162,000 | 338,000 | 533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,933,000 | 10,056,000 | 10,231,000 | 10,427,000 |