Call reports 2020
TEMPO BANK — 2020
What TEMPO 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 | 97,174,000 | 101,644,000 | 102,140,000 | 93,133,000 |
| Total loans | 83,723,000 | 79,844,000 | 78,696,000 | 71,869,000 |
| Allowance for loan losses | 2,148,000 | 2,156,000 | 2,168,000 | 2,178,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,742,000 | 78,524,000 | 79,352,000 | 76,304,000 |
| Interest-bearing deposits | 69,912,000 | 72,353,000 | 73,192,000 | 69,610,000 |
| Noninterest-bearing deposits | 4,830,000 | 6,171,000 | 6,160,000 | 6,694,000 |
| Equity capital | 9,084,000 | 9,020,000 | 8,992,000 | 8,904,000 |
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 | 883,000 | 1,663,000 | 2,448,000 | 3,185,000 |
| Interest expense | 303,000 | 585,000 | 848,000 | 1,080,000 |
| Net interest income | 580,000 | 1,078,000 | 1,600,000 | 2,105,000 |
| Noninterest income | 43,000 | 67,000 | 98,000 | 133,000 |
| Noninterest expense | 646,000 | 1,281,000 | 1,898,000 | 2,575,000 |
| Provision for loan losses | 1,996,000 | 2,004,000 | 2,016,000 | 2,028,000 |
| Pretax income | -2,019,000 | -2,140,000 | -2,216,000 | -2,365,000 |
| Income tax | -38,000 | -73,000 | -102,000 | -146,000 |
| Net income | -1,981,000 | -2,067,000 | -2,114,000 | -2,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,084,000 | 9,020,000 | 8,992,000 | 8,904,000 |
| Total capital | 9,733,000 | 9,663,000 | — | 9,502,000 |
| Risk-weighted assets | 50,489,000 | 49,938,000 | — | 46,270,000 |