Call reports 2023
HAVILAND STATE BANK, THE — 2023
What HAVILAND STATE BANK, THE 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 | 44,689,000 | 46,834,000 | 45,189,000 | 49,772,000 |
| Total loans | 21,974,000 | 27,302,000 | 26,448,000 | 31,375,000 |
| Allowance for loan losses | 466,000 | 475,000 | 484,000 | 493,000 |
| Securities available for sale | 12,804,000 | 12,256,000 | 11,630,000 | 11,637,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,701,000 | 36,846,000 | 35,588,000 | 36,494,000 |
| Interest-bearing deposits | 27,841,000 | 27,323,000 | 27,390,000 | 27,478,000 |
| Noninterest-bearing deposits | 8,860,000 | 9,523,000 | 8,198,000 | 9,016,000 |
| Equity capital | 5,749,000 | 5,774,000 | 5,824,000 | 5,943,000 |
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 | 521,000 | 1,076,000 | 1,710,000 | 2,354,000 |
| Interest expense | 77,000 | 167,000 | 293,000 | 444,000 |
| Net interest income | 444,000 | 909,000 | 1,417,000 | 1,910,000 |
| Noninterest income | 16,000 | 30,000 | 42,000 | 53,000 |
| Noninterest expense | 247,000 | 525,000 | 799,000 | 1,099,000 |
| Provision for loan losses | 7,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 206,000 | 401,000 | 639,000 | 835,000 |
| Income tax | 37,000 | 73,000 | 118,000 | 133,000 |
| Net income | 169,000 | 328,000 | 521,000 | 702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,251,000 | 6,310,000 | 6,503,000 | 6,309,000 |