Call reports 2019
TEMPO BANK — 2019
What TEMPO BANK 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 | 96,809,000 | 95,669,000 | 94,936,000 | 99,042,000 |
| Total loans | 86,007,000 | 84,988,000 | 86,572,000 | 87,085,000 |
| Allowance for loan losses | 196,000 | 196,000 | 196,000 | 161,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,077,000 | 74,837,000 | 73,727,000 | 75,845,000 |
| Interest-bearing deposits | 69,026,000 | 70,127,000 | 69,206,000 | 63,138,000 |
| Noninterest-bearing deposits | 6,051,000 | 4,710,000 | 4,521,000 | 12,707,000 |
| Equity capital | 10,883,000 | 10,945,000 | 10,990,000 | 11,039,000 |
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 | 917,000 | 1,835,000 | 2,743,000 | 3,657,000 |
| Interest expense | 295,000 | 603,000 | 916,000 | 1,245,000 |
| Net interest income | 622,000 | 1,232,000 | 1,827,000 | 2,412,000 |
| Noninterest income | 32,000 | 71,000 | 104,000 | 137,000 |
| Noninterest expense | 620,000 | 1,217,000 | 1,816,000 | 2,403,000 |
| Provision for loan losses | 0 | 0 | 0 | 4,000 |
| Pretax income | 34,000 | 86,000 | 115,000 | 142,000 |
| Income tax | 17,000 | 35,000 | 44,000 | 55,000 |
| Net income | 17,000 | 51,000 | 71,000 | 87,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,883,000 | 10,945,000 | 10,990,000 | 11,039,000 |
| Total capital | 11,079,000 | 11,141,000 | 11,186,000 | 11,200,000 |
| Risk-weighted assets | 50,951,000 | 48,471,000 | 51,520,000 | 53,110,000 |