Call reports 2020
STATE BANK OF HERSCHER — 2020
What STATE BANK OF HERSCHER 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 | 140,956,000 | 151,640,000 | 164,325,000 | 162,781,000 |
| Total loans | 73,306,000 | 83,469,000 | 84,629,000 | 81,149,000 |
| Allowance for loan losses | 1,774,000 | 2,085,000 | 1,986,000 | 2,086,000 |
| Securities available for sale | 48,859,000 | 45,231,000 | 52,495,000 | 60,189,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,919,000 | 126,533,000 | 139,234,000 | 137,095,000 |
| Interest-bearing deposits | 98,073,000 | 100,870,000 | 112,596,000 | 109,248,000 |
| Noninterest-bearing deposits | 22,846,000 | 25,663,000 | 26,639,000 | 27,847,000 |
| Equity capital | 19,131,000 | 20,153,000 | 20,126,000 | 20,202,000 |
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 | 1,322,000 | 3,045,000 | 4,431,000 | 5,784,000 |
| Interest expense | 136,000 | 263,000 | 382,000 | 478,000 |
| Net interest income | 1,186,000 | 2,782,000 | 4,049,000 | 5,306,000 |
| Noninterest income | 146,000 | 288,000 | 417,000 | 578,000 |
| Noninterest expense | 932,000 | 1,871,000 | 2,821,000 | 3,752,000 |
| Provision for loan losses | 0 | 325,000 | 425,000 | 525,000 |
| Pretax income | 405,000 | 916,000 | 1,263,000 | 1,650,000 |
| Income tax | 88,000 | 207,000 | 282,000 | 369,000 |
| Net income | 317,000 | 709,000 | 981,000 | 1,281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,733,000 | 18,973,000 | 19,072,000 | 19,200,000 |