Call reports 2019
STATE BANK OF SAUNEMIN — 2019
What STATE BANK OF SAUNEMIN 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 | 35,730,000 | 35,417,000 | 35,240,000 | 37,146,000 |
| Total loans | 21,216,000 | 20,592,000 | 20,217,000 | 20,330,000 |
| Allowance for loan losses | 281,000 | 282,000 | 436,000 | 436,000 |
| Securities available for sale | 10,188,000 | 10,095,000 | 9,929,000 | 9,964,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,703,000 | 31,206,000 | 31,001,000 | 32,875,000 |
| Interest-bearing deposits | 25,992,000 | 25,880,000 | 25,766,000 | 25,324,000 |
| Noninterest-bearing deposits | 5,711,000 | 5,326,000 | 5,235,000 | 7,551,000 |
| Equity capital | 3,987,000 | 4,153,000 | 4,171,000 | 4,233,000 |
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 | 322,000 | 656,000 | 991,000 | 1,295,000 |
| Interest expense | 55,000 | 110,000 | 166,000 | 221,000 |
| Net interest income | 267,000 | 546,000 | 825,000 | 1,074,000 |
| Noninterest income | 11,000 | 19,000 | 33,000 | 45,000 |
| Noninterest expense | 193,000 | 361,000 | 535,000 | 735,000 |
| Provision for loan losses | 3,000 | 4,000 | 158,000 | 158,000 |
| Pretax income | 82,000 | 200,000 | 192,000 | 253,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 82,000 | 200,000 | 192,000 | 253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,058,000 | 4,109,000 | 4,102,000 | 4,163,000 |
| Total capital | 4,339,000 | 4,391,000 | 4,442,000 | 4,515,000 |
| Risk-weighted assets | 27,650,000 | 27,227,000 | 27,174,000 | 28,151,000 |