Call reports 2023
CYPRESS BANK, SSB — 2023
What CYPRESS BANK, SSB 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 | 221,843,000 | 224,467,000 | 225,592,000 | 234,391,000 |
| Total loans | 148,678,000 | 151,608,000 | 150,207,000 | 148,854,000 |
| Allowance for loan losses | 1,489,000 | 1,510,000 | 1,504,000 | 1,521,000 |
| Securities available for sale | 9,471,000 | 9,077,000 | 8,805,000 | 9,243,000 |
| Securities held to maturity | 42,270,000 | 42,653,000 | 42,987,000 | 43,921,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,701,000 | 177,502,000 | 179,241,000 | 187,870,000 |
| Interest-bearing deposits | 135,428,000 | 138,426,000 | 143,070,000 | 149,921,000 |
| Noninterest-bearing deposits | 39,273,000 | 39,076,000 | 36,171,000 | 37,949,000 |
| Equity capital | 23,474,000 | 23,001,000 | 23,209,000 | 24,063,000 |
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 | 2,670,000 | 5,510,000 | 8,537,000 | 11,740,000 |
| Interest expense | 658,000 | 1,533,000 | 2,587,000 | 3,772,000 |
| Net interest income | 2,012,000 | 3,977,000 | 5,950,000 | 7,968,000 |
| Noninterest income | 257,000 | 519,000 | 816,000 | 1,095,000 |
| Noninterest expense | 1,813,000 | 3,639,000 | 5,535,000 | 7,305,000 |
| Provision for loan losses | 4,000 | 28,000 | 53,000 | 87,000 |
| Pretax income | 452,000 | 829,000 | 1,178,000 | 1,671,000 |
| Income tax | 60,000 | 106,000 | 144,000 | 212,000 |
| Net income | 392,000 | 723,000 | 1,034,000 | 1,459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,821,000 | 24,540,000 | 24,852,000 | 25,277,000 |
| Total capital | 26,310,000 | 26,050,000 | 26,356,000 | 26,798,000 |
| Risk-weighted assets | 140,624,000 | 141,608,000 | 140,321,000 | 143,008,000 |