Call reports 2023
CARMINE STATE BANK — 2023
What CARMINE STATE 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 | 121,563,000 | 117,586,000 | 114,951,000 | 120,361,000 |
| Total loans | 29,331,000 | 29,731,000 | 30,426,000 | 31,066,000 |
| Allowance for loan losses | 172,000 | 173,000 | 173,000 | 174,000 |
| Securities available for sale | 40,884,000 | 40,440,000 | 37,501,000 | 41,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,810,000 | 111,780,000 | 111,008,000 | 113,214,000 |
| Interest-bearing deposits | 80,824,000 | 78,988,000 | 80,321,000 | 84,186,000 |
| Noninterest-bearing deposits | 34,986,000 | 32,792,000 | 30,687,000 | 29,028,000 |
| Equity capital | 5,596,000 | 5,587,000 | 3,625,000 | 6,968,000 |
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 | 1,120,000 | 2,410,000 | 3,690,000 | 4,988,000 |
| Interest expense | 386,000 | 798,000 | 1,286,000 | 1,925,000 |
| Net interest income | 734,000 | 1,612,000 | 2,404,000 | 3,063,000 |
| Noninterest income | 45,000 | 80,000 | 116,000 | 154,000 |
| Noninterest expense | 433,000 | 936,000 | 1,378,000 | 1,921,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 339,000 | 749,000 | 1,135,000 | 1,289,000 |
| Income tax | 3,000 | 23,000 | 39,000 | 13,000 |
| Net income | 336,000 | 726,000 | 1,096,000 | 1,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,843,000 | 13,158,000 | 13,546,000 | 13,446,000 |