Call reports 2023
BANKGLOUCESTER — 2023
What BANKGLOUCESTER 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 | 385,870,000 | 388,881,000 | 382,087,000 | 376,349,000 |
| Total loans | 334,257,000 | 336,462,000 | 329,174,000 | 326,235,000 |
| Allowance for loan losses | 3,120,000 | 3,175,000 | 3,219,000 | 3,239,000 |
| Securities available for sale | 28,335,000 | 27,851,000 | 27,153,000 | 27,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,524,000 | 340,971,000 | 338,059,000 | 329,002,000 |
| Interest-bearing deposits | 276,619,000 | 279,325,000 | 277,267,000 | 272,979,000 |
| Noninterest-bearing deposits | 58,906,000 | 61,646,000 | 60,792,000 | 56,023,000 |
| Equity capital | 27,671,000 | 27,660,000 | 27,580,000 | 28,756,000 |
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 | 4,173,000 | 8,695,000 | 13,446,000 | 18,364,000 |
| Interest expense | 1,343,000 | 3,077,000 | 4,934,000 | 6,833,000 |
| Net interest income | 2,830,000 | 5,618,000 | 8,512,000 | 11,531,000 |
| Noninterest income | 185,000 | 397,000 | 612,000 | 842,000 |
| Noninterest expense | 2,599,000 | 5,168,000 | 7,900,000 | 10,537,000 |
| Provision for loan losses | 210,000 | 262,000 | 293,000 | 305,000 |
| Pretax income | 206,000 | 585,000 | 931,000 | 1,531,000 |
| Income tax | 60,000 | 163,000 | 259,000 | 426,000 |
| Net income | 146,000 | 422,000 | 672,000 | 1,105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,658,000 | 29,933,000 | 30,183,000 | 30,617,000 |
| Total capital | 32,778,000 | 33,108,000 | 33,402,000 | 33,835,000 |
| Risk-weighted assets | 270,322,000 | 270,956,000 | 261,950,000 | 257,446,000 |