Call reports 2020
R BANK — 2020
What R 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 | 568,888,000 | 665,681,000 | 670,459,000 | 740,541,000 |
| Total loans | 460,543,000 | 531,258,000 | 554,018,000 | 530,989,000 |
| Allowance for loan losses | 4,821,000 | 4,978,000 | 5,138,000 | 5,945,000 |
| Securities available for sale | 59,075,000 | 53,511,000 | 47,112,000 | 49,806,000 |
| Securities held to maturity | 4,542,000 | 4,526,000 | 14,363,000 | 16,962,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 489,500,000 | 580,981,000 | 596,511,000 | 670,682,000 |
| Interest-bearing deposits | 380,979,000 | 430,770,000 | 448,401,000 | 498,418,000 |
| Noninterest-bearing deposits | 108,521,000 | 150,211,000 | 148,110,000 | 172,264,000 |
| Equity capital | 66,833,000 | 67,748,000 | 68,073,000 | 68,448,000 |
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 | 6,947,000 | 14,210,000 | 21,737,000 | 30,388,000 |
| Interest expense | 1,473,000 | 2,815,000 | 3,998,000 | 5,096,000 |
| Net interest income | 5,474,000 | 11,395,000 | 17,739,000 | 25,292,000 |
| Noninterest income | 561,000 | 1,212,000 | 2,038,000 | 2,638,000 |
| Noninterest expense | 5,026,000 | 10,425,000 | 15,738,000 | 20,967,000 |
| Provision for loan losses | 110,000 | 260,000 | 420,000 | 1,270,000 |
| Pretax income | 971,000 | 2,013,000 | 3,806,000 | 5,880,000 |
| Income tax | 169,000 | 353,000 | 695,000 | 1,121,000 |
| Net income | 802,000 | 1,660,000 | 3,111,000 | 4,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,502,000 | 61,904,000 | 62,400,000 | 62,993,000 |
| Total capital | 66,323,000 | 66,882,000 | 67,538,000 | 68,938,000 |
| Risk-weighted assets | 456,525,000 | 467,306,000 | 504,994,000 | 491,215,000 |