Call reports 2020
STONE BANK — 2020
What STONE 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 | 473,857,000 | 560,085,000 | 541,072,000 | 539,776,000 |
| Total loans | 363,183,000 | 439,787,000 | 427,883,000 | 432,639,000 |
| Allowance for loan losses | 5,019,000 | 8,022,000 | 8,303,000 | 8,358,000 |
| Securities available for sale | 55,733,000 | 56,257,000 | 48,837,000 | 53,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 70,000 | 48,000 | 23,000 |
| Total deposits | 397,033,000 | 432,854,000 | 395,149,000 | 400,181,000 |
| Interest-bearing deposits | 364,231,000 | 381,124,000 | 354,486,000 | 357,146,000 |
| Noninterest-bearing deposits | 32,802,000 | 51,730,000 | 40,663,000 | 43,035,000 |
| Equity capital | 55,444,000 | 57,197,000 | 58,270,000 | 59,856,000 |
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 | 5,287,000 | 11,033,000 | 16,064,000 | 21,242,000 |
| Interest expense | 2,162,000 | 4,155,000 | 5,942,000 | 7,523,000 |
| Net interest income | 3,125,000 | 6,878,000 | 10,122,000 | 13,719,000 |
| Noninterest income | 2,431,000 | 7,744,000 | 10,680,000 | 13,980,000 |
| Noninterest expense | 3,871,000 | 8,329,000 | 12,640,000 | 17,364,000 |
| Provision for loan losses | 657,000 | 3,882,000 | 4,576,000 | 5,391,000 |
| Pretax income | 1,028,000 | 2,411,000 | 3,878,000 | 5,236,000 |
| Income tax | 227,000 | 541,000 | 876,000 | 1,187,000 |
| Net income | 801,000 | 1,870,000 | 3,002,000 | 4,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,017,000 | 53,106,000 | 54,286,000 | 55,383,000 |
| Total capital | 56,818,000 | 58,022,000 | 59,290,000 | 60,290,000 |
| Risk-weighted assets | 383,898,000 | 390,232,000 | 397,040,000 | 389,138,000 |