Call reports 2019
SAVINGS BANK, THE — 2019
What SAVINGS 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 | 621,057,000 | 619,411,000 | 615,260,000 | 613,652,000 |
| Total loans | 504,860,000 | 499,152,000 | 486,027,000 | 491,101,000 |
| Allowance for loan losses | 3,681,000 | 3,654,000 | 3,487,000 | 3,510,000 |
| Securities available for sale | 63,132,000 | 63,801,000 | 62,313,000 | 49,408,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 507,073,000 | 519,753,000 | 520,145,000 | 524,324,000 |
| Interest-bearing deposits | 402,141,000 | 415,225,000 | 414,323,000 | 423,001,000 |
| Noninterest-bearing deposits | 104,932,000 | 104,528,000 | 105,822,000 | 101,323,000 |
| Equity capital | 74,779,000 | 76,293,000 | 77,863,000 | 78,427,000 |
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 | 5,678,000 | 11,408,000 | 17,097,000 | 22,705,000 |
| Interest expense | 1,192,000 | 2,467,000 | 3,769,000 | 4,999,000 |
| Net interest income | 4,486,000 | 8,941,000 | 13,328,000 | 17,706,000 |
| Noninterest income | 1,232,000 | 2,496,000 | 3,843,000 | 5,126,000 |
| Noninterest expense | 4,723,000 | 9,568,000 | 14,372,000 | 19,406,000 |
| Provision for loan losses | 32,000 | 7,000 | -154,000 | -124,000 |
| Pretax income | 963,000 | 1,862,000 | 3,015,000 | 6,089,000 |
| Income tax | 231,000 | 439,000 | 705,000 | 1,375,000 |
| Net income | 732,000 | 1,423,000 | 2,310,000 | 4,714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,223,000 | 66,920,000 | 67,830,000 | 75,023,000 |
| Total capital | 73,092,000 | 73,990,000 | 75,066,000 | 78,533,000 |
| Risk-weighted assets | 379,301,000 | 368,084,000 | 363,986,000 | 371,755,000 |