Call reports 2023
SAVINGS BANK, THE — 2023
What SAVINGS 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 | 531,076,000 | 546,509,000 | 599,830,000 | 552,680,000 |
| Total loans | 333,508,000 | 348,351,000 | 354,678,000 | 363,744,000 |
| Allowance for loan losses | 3,287,000 | 3,307,000 | 3,504,000 | 3,467,000 |
| Securities available for sale | 150,171,000 | 144,572,000 | 141,027,000 | 139,869,000 |
| Securities held to maturity | 69,000 | 2,319,000 | 2,319,000 | 2,205,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 456,586,000 | 461,857,000 | 495,384,000 | 439,062,000 |
| Interest-bearing deposits | 352,859,000 | 362,639,000 | 401,585,000 | 346,341,000 |
| Noninterest-bearing deposits | 103,727,000 | 99,218,000 | 93,799,000 | 92,721,000 |
| Equity capital | 44,641,000 | 42,987,000 | 41,388,000 | 43,994,000 |
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 | 4,683,000 | 9,729,000 | 15,204,000 | 20,691,000 |
| Interest expense | 912,000 | 2,430,000 | 4,513,000 | 6,782,000 |
| Net interest income | 3,771,000 | 7,299,000 | 10,691,000 | 13,909,000 |
| Noninterest income | 456,000 | 948,000 | 1,476,000 | 1,937,000 |
| Noninterest expense | 3,454,000 | 6,985,000 | 10,659,000 | 14,338,000 |
| Provision for loan losses | 75,000 | 115,000 | 195,000 | 195,000 |
| Pretax income | 585,000 | 1,034,000 | 1,200,000 | 1,200,000 |
| Income tax | 60,000 | 109,000 | 119,000 | 119,000 |
| Net income | 525,000 | 925,000 | 1,081,000 | 1,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,646,000 | 47,644,000 | 47,365,000 | 46,283,000 |
| Total capital | 50,933,000 | 50,951,000 | 50,775,000 | 49,656,000 |
| Risk-weighted assets | 306,803,000 | 317,092,000 | 329,876,000 | 326,786,000 |