Call reports 2023
WATERFALL BANK — 2023
What WATERFALL 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 | 115,057,000 | 153,993,000 | 164,450,000 | 186,843,000 |
| Total loans | 86,924,000 | 134,840,000 | 145,981,000 | 170,624,000 |
| Allowance for loan losses | 776,000 | 1,137,000 | 1,247,000 | 1,352,000 |
| Securities available for sale | 11,814,000 | 11,554,000 | 10,815,000 | 11,218,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,393,000 | 97,498,000 | 122,291,000 | 128,406,000 |
| Interest-bearing deposits | 58,336,000 | 83,372,000 | 108,930,000 | 117,478,000 |
| Noninterest-bearing deposits | 14,057,000 | 14,126,000 | 13,361,000 | 10,928,000 |
| Equity capital | 41,014,000 | 40,898,000 | 40,589,000 | 41,110,000 |
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 | 1,428,000 | 3,263,000 | 5,681,000 | 8,398,000 |
| Interest expense | 104,000 | 487,000 | 1,345,000 | 2,522,000 |
| Net interest income | 1,324,000 | 2,776,000 | 4,336,000 | 5,876,000 |
| Noninterest income | 24,000 | 47,000 | 66,000 | 88,000 |
| Noninterest expense | 1,276,000 | 2,518,000 | 3,909,000 | 5,317,000 |
| Provision for loan losses | 154,000 | 514,000 | 625,000 | 730,000 |
| Pretax income | -82,000 | -209,000 | -132,000 | -83,000 |
| Income tax | -18,000 | -47,000 | -25,000 | -10,000 |
| Net income | -64,000 | -162,000 | -107,000 | -73,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,888,000 | 41,566,000 | 41,661,000 | 41,726,000 |
| Total capital | 41,664,000 | 42,702,000 | 42,908,000 | 43,078,000 |
| Risk-weighted assets | 96,683,000 | 144,809,000 | 145,980,000 | 184,228,000 |