Call reports 2023
LOCALITY BANK — 2023
What LOCALITY BANK 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 | 121,644,000 | 130,594,000 | 163,718,000 | 192,120,000 |
| Total loans | 76,939,000 | 90,513,000 | 114,228,000 | 130,699,000 |
| Allowance for loan losses | 749,000 | 883,000 | 1,106,000 | 1,274,000 |
| Securities available for sale | 15,297,000 | 10,975,000 | 10,449,000 | 10,524,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,515,000 | 96,140,000 | 130,044,000 | 158,714,000 |
| Interest-bearing deposits | 71,080,000 | 75,580,000 | 105,160,000 | 135,840,000 |
| Noninterest-bearing deposits | 15,435,000 | 20,560,000 | 24,884,000 | 22,874,000 |
| Equity capital | 34,032,000 | 33,293,000 | 32,435,000 | 32,317,000 |
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 | 1,477,000 | 3,239,000 | 5,340,000 | 8,079,000 |
| Interest expense | 485,000 | 1,161,000 | 2,006,000 | 3,230,000 |
| Net interest income | 992,000 | 2,078,000 | 3,334,000 | 4,849,000 |
| Noninterest income | 55,000 | 227,000 | 205,000 | 339,000 |
| Noninterest expense | 1,560,000 | 3,276,000 | 5,074,000 | 6,928,000 |
| Provision for loan losses | 4,000 | 138,000 | 361,000 | 529,000 |
| Pretax income | -517,000 | -1,109,000 | -1,893,000 | -2,283,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -517,000 | -1,109,000 | -1,893,000 | -2,283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,915,000 | 33,380,000 | 32,651,000 | 32,316,000 |
| Total capital | 34,664,000 | 34,304,000 | — | — |
| Risk-weighted assets | 98,299,000 | 102,803,000 | — | — |