Call reports 2023
EL DORADO SAVINGS BANK, F.S.B. — 2023
What EL DORADO SAVINGS BANK, F.S.B. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 2,666,311,000 | 2,586,791,000 | 2,543,062,000 | 2,445,359,000 |
| Total loans | 566,020,000 | 558,591,000 | 559,541,000 | 555,153,000 |
| Allowance for loan losses | 6,371,000 | 6,127,000 | 6,018,000 | 5,969,000 |
| Securities available for sale | 397,000 | 393,000 | 379,000 | 370,000 |
| Securities held to maturity | 1,688,250,000 | 1,590,356,000 | 1,533,149,000 | 1,448,985,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,370,102,000 | 2,283,372,000 | 2,232,984,000 | 2,137,486,000 |
| Interest-bearing deposits | 1,993,970,000 | 1,917,869,000 | 1,857,679,000 | 1,791,901,000 |
| Noninterest-bearing deposits | 376,132,000 | 365,503,000 | 375,305,000 | 345,585,000 |
| Equity capital | 282,034,000 | 286,689,000 | 291,323,000 | 296,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 16,124,000 | 32,435,000 | 49,410,000 | 66,667,000 |
| Interest expense | 829,000 | 2,064,000 | 3,802,000 | 6,203,000 |
| Net interest income | 15,295,000 | 30,371,000 | 45,608,000 | 60,464,000 |
| Noninterest income | 1,997,000 | 4,140,000 | 6,214,000 | 8,396,000 |
| Noninterest expense | 9,859,000 | 19,898,000 | 29,866,000 | 39,738,000 |
| Provision for loan losses | -123,000 | -339,000 | -437,000 | -469,000 |
| Pretax income | 7,580,000 | 14,964,000 | 22,376,000 | 29,647,000 |
| Income tax | 1,708,000 | 3,367,000 | 5,034,000 | 6,377,000 |
| Net income | 5,872,000 | 11,597,000 | 17,342,000 | 23,270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 276,193,000 | 280,793,000 | 285,377,000 | 290,121,000 |
| Total capital | 282,723,000 | 287,077,000 | 291,554,000 | 296,249,000 |
| Risk-weighted assets | 722,727,000 | 700,478,000 | 690,025,000 | 672,180,000 |