Call reports 2020
BANK OF ERATH — 2020
What BANK OF ERATH 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 | 100,949,000 | 106,394,000 | 105,058,000 | 110,560,000 |
| Total loans | 70,744,000 | 73,635,000 | 70,797,000 | 64,576,000 |
| Allowance for loan losses | 712,000 | 660,000 | 634,000 | 689,000 |
| Securities available for sale | 12,600,000 | 12,039,000 | 11,444,000 | 17,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,100,000 | 91,788,000 | 90,449,000 | 96,447,000 |
| Interest-bearing deposits | 55,170,000 | 56,237,000 | 55,378,000 | 56,762,000 |
| Noninterest-bearing deposits | 31,930,000 | 35,551,000 | 35,071,000 | 39,685,000 |
| Equity capital | 13,578,000 | 14,102,000 | 14,046,000 | 13,822,000 |
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 | 1,140,000 | 2,392,000 | 3,470,000 | 4,492,000 |
| Interest expense | 145,000 | 286,000 | 419,000 | 543,000 |
| Net interest income | 995,000 | 2,106,000 | 3,051,000 | 3,949,000 |
| Noninterest income | 100,000 | 212,000 | 285,000 | 401,000 |
| Noninterest expense | 984,000 | 1,824,000 | 2,714,000 | 3,767,000 |
| Provision for loan losses | 0 | 0 | 200,000 | 250,000 |
| Pretax income | 111,000 | 494,000 | 422,000 | 333,000 |
| Income tax | 21,000 | 100,000 | 86,000 | 40,000 |
| Net income | 90,000 | 394,000 | 336,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,593,000 | 13,897,000 | 13,839,000 | 13,622,000 |
| Total capital | 14,305,000 | 14,557,000 | — | — |
| Risk-weighted assets | 66,200,000 | 68,698,000 | — | — |