Call reports 2019
EDGEWATER BANK — 2019
What EDGEWATER 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 | 169,297,000 | 169,196,000 | 185,129,000 | 185,958,000 |
| Total loans | 128,516,000 | 130,900,000 | 149,772,000 | 159,774,000 |
| Allowance for loan losses | 1,402,000 | 1,436,000 | 1,483,000 | 1,614,000 |
| Securities available for sale | 12,359,000 | 10,800,000 | 10,241,000 | 9,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,523,000 | 144,064,000 | 156,456,000 | 152,720,000 |
| Interest-bearing deposits | 121,045,000 | 117,999,000 | 131,353,000 | 130,809,000 |
| Noninterest-bearing deposits | 24,478,000 | 26,065,000 | 25,103,000 | 21,911,000 |
| Equity capital | 16,979,000 | 17,893,000 | 18,266,000 | 18,212,000 |
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 | 1,808,000 | 3,673,000 | 5,603,000 | 7,694,000 |
| Interest expense | 335,000 | 661,000 | 988,000 | 1,410,000 |
| Net interest income | 1,473,000 | 3,012,000 | 4,615,000 | 6,284,000 |
| Noninterest income | 161,000 | 374,000 | 633,000 | 861,000 |
| Noninterest expense | 1,306,000 | 2,632,000 | 3,986,000 | 5,715,000 |
| Provision for loan losses | 13,000 | 45,000 | 90,000 | 262,000 |
| Pretax income | 315,000 | 709,000 | 1,172,000 | 1,168,000 |
| Income tax | 71,000 | -374,000 | -274,000 | -221,000 |
| Net income | 244,000 | 1,083,000 | 1,446,000 | 1,389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,599,000 | 15,910,000 | 16,272,000 | 16,422,000 |
| Total capital | 17,001,000 | 17,335,000 | 17,755,000 | 18,036,000 |
| Risk-weighted assets | 112,224,000 | 113,931,000 | 134,961,000 | 144,584,000 |