Call reports 2023
STATE BANK OF GRAYMONT — 2023
What STATE BANK OF GRAYMONT 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 | 318,766,000 | 297,801,000 | 314,469,000 | 316,634,000 |
| Total loans | 156,419,000 | 162,173,000 | 178,622,000 | 183,426,000 |
| Allowance for loan losses | 1,906,000 | 1,909,000 | 1,929,000 | 2,038,000 |
| Securities available for sale | 121,601,000 | 119,274,000 | 115,945,000 | 115,354,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,094,000 | 268,581,000 | 268,558,000 | 266,369,000 |
| Interest-bearing deposits | 235,996,000 | 221,169,000 | 224,527,000 | 217,738,000 |
| Noninterest-bearing deposits | 53,098,000 | 47,412,000 | 44,031,000 | 48,631,000 |
| Equity capital | 28,173,000 | 28,100,000 | 27,343,000 | 29,909,000 |
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 | 2,678,000 | 5,327,000 | 8,137,000 | 11,185,000 |
| Interest expense | 729,000 | 1,564,000 | 2,575,000 | 3,858,000 |
| Net interest income | 1,949,000 | 3,763,000 | 5,562,000 | 7,327,000 |
| Noninterest income | 339,000 | 611,000 | 899,000 | 1,154,000 |
| Noninterest expense | 1,447,000 | 2,892,000 | 4,343,000 | 6,062,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 128,000 |
| Pretax income | 860,000 | 1,517,000 | 2,147,000 | 2,379,000 |
| Income tax | 202,000 | 334,000 | 459,000 | 497,000 |
| Net income | 658,000 | 1,183,000 | 1,688,000 | 1,882,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,324,000 | 33,770,000 | 34,196,000 | 34,312,000 |