Call reports 2023
STOUGHTON CO-OPERATIVE BANK — 2023
What STOUGHTON CO-OPERATIVE 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 | 120,027,000 | 123,218,000 | 123,068,000 | 124,168,000 |
| Total loans | 98,852,000 | 97,466,000 | 97,425,000 | 99,226,000 |
| Allowance for loan losses | 674,000 | 674,000 | 674,000 | 674,000 |
| Securities available for sale | 14,064,000 | 13,567,000 | 12,926,000 | 13,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,316,000 | 110,496,000 | 110,506,000 | 111,121,000 |
| Interest-bearing deposits | 102,557,000 | 105,566,000 | 104,987,000 | 105,884,000 |
| Noninterest-bearing deposits | 4,758,000 | 4,930,000 | 5,519,000 | 5,237,000 |
| Equity capital | 10,484,000 | 10,516,000 | 10,321,000 | 10,848,000 |
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 | 992,000 | 2,041,000 | 3,194,000 | 4,392,000 |
| Interest expense | 202,000 | 520,000 | 912,000 | 1,384,000 |
| Net interest income | 790,000 | 1,521,000 | 2,282,000 | 3,008,000 |
| Noninterest income | 63,000 | 122,000 | 180,000 | 237,000 |
| Noninterest expense | 686,000 | 1,396,000 | 2,078,000 | 2,795,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 167,000 | 247,000 | 384,000 | 450,000 |
| Income tax | 37,000 | 51,000 | 79,000 | 90,000 |
| Net income | 130,000 | 196,000 | 305,000 | 360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,982,000 | 12,048,000 | 12,157,000 | 12,212,000 |