Call reports 2020
SAVINGS BANK, THE — 2020
What SAVINGS BANK, THE 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 | 615,603,000 | 650,064,000 | 655,631,000 | 658,357,000 |
| Total loans | 489,675,000 | 501,952,000 | 489,881,000 | 470,625,000 |
| Allowance for loan losses | 3,661,000 | 4,060,000 | 4,150,000 | 4,351,000 |
| Securities available for sale | 45,419,000 | 42,141,000 | 38,301,000 | 34,815,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 530,546,000 | 565,729,000 | 569,902,000 | 573,520,000 |
| Interest-bearing deposits | 421,107,000 | 433,152,000 | 441,202,000 | 445,733,000 |
| Noninterest-bearing deposits | 109,439,000 | 132,577,000 | 128,700,000 | 127,787,000 |
| Equity capital | 78,100,000 | 79,175,000 | 80,288,000 | 80,963,000 |
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 | 5,627,000 | 10,784,000 | 16,188,000 | 21,269,000 |
| Interest expense | 1,104,000 | 2,041,000 | 2,867,000 | 3,593,000 |
| Net interest income | 4,523,000 | 8,743,000 | 13,321,000 | 17,676,000 |
| Noninterest income | 1,250,000 | 2,705,000 | 4,105,000 | 5,985,000 |
| Noninterest expense | 4,857,000 | 9,489,000 | 14,281,000 | 19,724,000 |
| Provision for loan losses | 156,000 | 557,000 | 648,000 | 852,000 |
| Pretax income | -1,206,000 | 71,000 | 1,587,000 | 2,609,000 |
| Income tax | -272,000 | 0 | 351,000 | 569,000 |
| Net income | -934,000 | 71,000 | 1,236,000 | 2,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,959,000 | 75,019,000 | 76,259,000 | 77,054,000 |