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All financial statements

2020 quarterly financial reports

Balance sheet

Assets	kEUR
Cash and due from Central Bank, due from other banks	12 432
Cash	20
Due from Central Bank	7 077
Due from banks	5 335
Financial assets held for trading	179
Financial assets at amortised cost	35 592
Debt securities	4 989
Loans and advances	30 603
Investment property	2 793
Tangible assets	1 781
Intangible assets	213
Other assets	178
Total assets	53 168

Liabilities and equity

Liabilities and equity	45 879
Liabilities measured at amortised cost	45 675
Deposits	45 657
Debt securities Issued	-
Other financial liabilities	-
Subordinated loans	-
Provisions	-
Other liabilities	-
Equity	7 289
Share capital	4 726
Reserves	2 026
Revaluation reserves	-
Retained earnings	537
Current year's profit (loss)	158
Prior year's retained earnings	379
Total liabilities and equity:	53 168

Profit (loss) statement

Positions
Interest income	743
Interet expenses	(188)
Net interest income	555
Fee and commission income	115
Fee and commission expenses	(28)
Net fee and commission Income	87
Other income/expenses	23
Total operating income	665
Impairment on financial assets	19
Provisions	-
Operating income after credit impairment	687
Staff costs	(327)
Depreciation and amortisation	(30)
Other operating expenses	(169)
Total operating expenses	(526)
Operating profit before tax	158
Tax expense	0
Net profit (loss) for the period	158

Key ratios

Credit quality
Total impairment of loans and advances, kEUR	474
Impairment to loan portfolio ratio, %	1,53
Profitability ratios
Return on assets (ROA), %	1,23
Return on equity (ROE), %	8,77
Prudential ratios
Total capital ratio, %	15,62
Liquidity coverage ratio (LCR), %	180,09
Maximum exposure to a single counterparty, %	24,20

No supervisory measures were applied to the bank during the first quarter of 2020.

Half year results

Balance sheet

Assets	kEUR
Cash and due from Central Bank, due from other banks	13 978
Cash	21
Due from Central Bank	11 526
Due from banks	2 431
Financial assets held for trading	204
Financial assets at amortised cost	41 253
Debt securities	8 060
Loans and advances	33 193
Investment property	2 477
Tangible assets	1 764
Intangible assets	204
Other assets	184
Total assets	60 066

Liabilities and equity

Liabilities and equity	52 644
Liabilities measured at amortised cost	52 348
Deposits	51 887
Debt securities Issued	-
Other financial liabilities	461
Subordinated loans	-
Provisions	-
Other liabilities	296
Equity	7 422
Share capital	4 726
Reserves	2 102
Revaluation reserves	-
Retained earnings	594
Current year's profit (loss)	291
Prior year's retained earnings	303
Total liabilities and equity:	60 066

Profit (loss) statement

Positions
Interest income	1 480
Interet expenses	(387)
Net interest income	1 093
Fee and commission income	258
Fee and commission expenses	(81)
Net fee and commission Income	177
Other income/expenses	65
Total operating income	1 335
Impairment on financial assets	23
Provisions	-
Operating income after credit impairment	1 358
Staff costs	(581)
Depreciation and amortisation	(59)
Other operating expenses	(377)
Total operating expenses	(1 017)
Operating profit before tax	341
Tax expense	(50)
Net profit (loss) for the period	291

Key ratios

Credit quality
Total impairment of loans and advances, kEUR	486
Impairment to loan portfolio ratio, %	1,43
Profitability ratios
Return on assets (ROA), %	1,24
Return on equity (ROE), %	9,20
Prudential ratios
Total capital ratio, %	16,96
Liquidity coverage ratio (LCR), %	285,73
Maximum exposure to a single counterparty, %	22,93

No supervisory measures were applied to the bank during the first half of 2020.

3rd quarter results

Balance sheet

Assets	kEUR
Cash and due from Central Bank, due from other banks	14 900
Cash	31
Due from Central Bank	14 187
Due from banks	682
Financial assets held for trading	706
Financial assets at amortised cost	44 976
Debt securities	9 874
Loans and advances	35 102
Investment property	2 489
Tangible assets	1 747
Intangible assets	196
Other assets	169
Total assets	65 183

Liabilities and equity

Liabilities and equity	57 683
Liabilities measured at amortised cost	57 380
Deposits	55 806
Debt securities Issued	-
Other financial liabilities	1 574
Subordinated loans	-
Provisions	-
Other liabilities	303
Equity	7 500
Share capital	4 726
Reserves	2 102
Revaluation reserves	-
Retained earnings	672
Current year's profit (loss)	369
Prior year's retained earnings	303
Total liabilities and equity:	65 183

Profit (loss) statement

Positions
Interest income	2 284
Interest expenses	(585)
Net interest income	1 699
Fee and commission income	430
Fee and commission expenses	(119)
Net fee and commission Income	311
Other income/expenses	51
Total operating income	2 061
Impairment on financial assets	(3)
Provisions	-
Operating income after credit impairment	2 058
Staff costs	(932)
Depreciation and amortisation	(86)
Other operating expenses	(618)
Total operating expenses	1 636
Operating profit before tax	422
Tax expense	(53)
Net profit (loss) for the period	369

Key ratios

Credit quality
Total impairment of loans and advances, kEUR	513
Impairment to loan portfolio ratio, %	1,43
Profitability ratios
Return on assets (ROA), %	0,98
Return on equity (ROE), %	7,56
Prudential ratios
Total capital ratio, %	17,70
Liquidity coverage ratio (LCR), %	208,68
Maximum exposure to a single counterparty, %	22,98

No supervisory measures were applied to the bank during the third quarter of 2020.

2019 m. Rizikos ir kapitalo valdymo ataskaita Pillar 3

2019 year financial report

2019 quarterly financial reports

1st quarter results

Balance sheet

Assets	kEUR
Cash and due from Central Bank, due from other banks	2070
Cash	21
Due from Central Bank	1455
Due from banks	594
Financial assets held for trading	-
Financial assets at amortised cost	43 667
Debt securities	12 870
Loans and advances	30 797
Investment property	2 347
Tangible assets	1 999
Intangible assets	90
Other assets	263
Total assets	50 436

Liabilities and equity

Liabilities and equity	43 626
Liabilities measured at amortised cost	43 449
Deposits	43 449
Debt securities Issued	-
Other financial liabilities	-
Subordinated loans	-
Provisions	-
Other liabilities	177
Equity	6 810
Share capital	4 726
Reserves	2 026
Revaluation reserves	-
Retained earnings	58
Current year's profit (loss)	11
Prior year's retained earnings	47
Total liabilities and equity:	50 436

Profit (loss) statement

Positions
Interest income	663
Interet expenses	(206)
Net interest income	457
Fee and commission income	76
Fee and commission expenses	(67)
Net fee and commission Income	9
Other income/expenses	13
Total operating income	479
Impairment on financial assets	(105)
Provisions	-
Operating income after credit impairment	374
Staff costs	(216)
Depreciation and amortisation	(28)
Other operating expenses	(115)
Total operating expenses	(359)
Operating profit before tax	15
Tax expense	(4)
Net profit (loss) for the period	11

Key ratios

Credit quality
Total impairment of loans and advances, kEUR	1 262
Impairment to loan portfolio ratio, %	3,94
Profitability ratios
Return on assets (ROA), %	0,08
Return on equity (ROE), %	0,67
Prudential ratios
Total capital ratio, %	15,52
Liquidity coverage ratio (LCR), %	201,97
Maximum exposure to a single counterparty, %	22,42

No supervisory measures were applied to the bank during the first quarter of 2019.

Half year results

Balance sheet

Assets	kEUR
Cash and due from Central Bank, due from other banks	6 690
Cash	22
Due from Central Bank	5 580
Due from banks	1 088
Financial assets held for trading	-
Financial assets at amortised cost	37 408
Debt securities	9 220
Loans and advances	28 188
Investment property	3 129
Tangible assets	1 836
Intangible assets	98
Other assets	213
Total assets	49 374

Liabilities and equity

Liabilities and equity	42 266
Liabilities measured at amortised cost	41 949
Deposits	41 859
Debt securities Issued	-
Other financial liabilities	90
Subordinated loans	-
Provisions	-
Other liabilities	317
Equity	7 108
Share capital	4 726
Reserves	2 026
Revaluation reserves	=
Retained earnings	356
Current year's profit (loss)	309
Prior year's retained earnings	47
Total liabilities and equity:	49 374

Profit (loss) statement

Positions
Interest income	1 307
Interet expenses	(404)
Net interest income	903
Fee and commission income	169
Fee and commission expenses	(69)
Net fee and commission Income	100
Other income/expenses	66
Total operating income	1 069
Impairment on financial assets	142
Provisions	-
Operating income after credit impairment	1 211
Staff costs	(466)
Depreciation and amortisation	(58)
Other operating expenses	(324)
Total operating expenses	(848)
Operating profit before tax	363
Tax expense	(54)
Net profit (loss) for the period	309

Key ratios

Credit quality
Total impairment of loans and advances, kEUR	1 119
Impairment to loan portfolio ratio, %	3,82
Profitability ratios
Return on assets (ROA), %	1,21
Return on equity (ROE), %	9,53
Prudential ratios
Total capital ratio, %	16,60
Liquidity coverage ratio (LCR), %	239,97
Maximum exposure to a single counterparty, %	23,88

No supervisory measures were applied to the bank during the first half of 2019.

3rd quarter results

Balance sheet

Assets	kEUR
Cash and due from Central Bank, due from other banks	6 610
Cash	21
Due from Central Bank	5 704
Due from banks	885
Financial assets held for trading	-
Financial assets at amortised cost	37 304
Debt securities	9 216
Loans and advances	28 088
Investment property	2 984
Tangible assets	1 815
Intangible assets	90
Other assets	265
Total assets	49 068

Liabilities and equity

Liabilities and equity	42 270
Liabilities measured at amortised cost	42 065
Deposits	42 051
Debt securities Issued	-
Other financial liabilities	14
Subordinated loans	-
Provisions	-
Other liabilities	205
Equity	6 798
Share capital	4 726
Reserves	2 026
Revaluation reserves	-
Retained earnings	46
Current year's profit (loss)	1
Prior year's retained earnings	47
Total liabilities and equity:	49 068

Profit (loss) statement

Positions
Interest income	1 965
Interet expenses	(604)
Net interest income	1 361
Fee and commission income	221
Fee and commission expenses	(103)
Net fee and commission Income	118
Other income/expenses	54
Total operating income	1 533
Impairment on financial assets	(91)
Provisions	-
Operating income after credit impairment	1 442
Staff costs	(708)
Depreciation and amortisation	(88)
Other operating expenses	(589)
Total operating expenses	(1 385)
Operating profit before tax	57
Tax expense	(58)
Net profit (loss) for the period	-1

Key ratios

Credit quality
Total impairment of loans and advances, kEUR	1 244
Impairment to loan portfolio ratio, %	4,24
Profitability ratios
Return on assets (ROA), %	0,00
Return on equity (ROE), %	-0,02
Prudential ratios
Total capital ratio, %	16,57
Liquidity coverage ratio (LCR), %	206,82
Maximum exposure to a single counterparty, %	23,87

No supervisory measures were applied to the bank during the third quarter of 2019.

2018 year financial report

Financial transparency

Summary of 2020 third quarter results

5 000 customers

65.18 M total assets

35.1 M loan portfolio

7.5 M total equity

17.79 % total capital ratio

208.68 % LCR

All financial statements

Balance sheet

Assets

kEUR

Total assets

53 168

Liabilities and equity

Liabilities and equity

45 879

Equity

Total liabilities and equity:

53 168

Profit (loss) statement

Positions

Net profit (loss) for the period

158

Key ratios

Credit quality

Profitability ratios

Prudential ratios

Balance sheet

Assets

kEUR

Total assets

60 066

Liabilities and equity

Liabilities and equity

52 644

Equity

7 422

Total liabilities and equity:

60 066

Profit (loss) statement

Positions

Net profit (loss) for the period

Key ratios

Credit quality

Profitability ratios

Prudential ratios

Balance sheet

Assets

kEUR

Total assets

65 183

Liabilities and equity

Liabilities and equity

57 683

Equity

7 500

Total liabilities and equity:

65 183

Profit (loss) statement

Positions

2 061

2 058

1 636

422

Net profit (loss) for the period

369

Key ratios

Credit quality

Profitability ratios

Prudential ratios

Balance sheet

Assets

kEUR

Total assets

50 436

Liabilities and equity

Liabilities and equity

43 626

Equity

5 000
customers

65.18 M
total assets

35.1 M
loan portfolio

7.5 M
total equity

17.79 %
total capital ratio

208.68 %
LCR