Call reports 2023
SCALE BANK — 2023
What SCALE 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 | 568,737,000 | 560,678,000 | 557,105,000 | 564,564,000 |
| Total loans | 351,628,000 | 346,851,000 | 335,742,000 | 324,529,000 |
| Allowance for loan losses | 3,416,000 | 3,454,000 | 3,453,000 | 3,405,000 |
| Securities available for sale | 48,740,000 | 46,980,000 | 45,967,000 | 46,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 457,139,000 | 447,939,000 | 443,050,000 | 450,351,000 |
| Interest-bearing deposits | 268,177,000 | 276,973,000 | 269,787,000 | 279,281,000 |
| Noninterest-bearing deposits | 188,962,000 | 170,966,000 | 173,263,000 | 171,070,000 |
| Equity capital | 104,573,000 | 105,407,000 | 106,354,000 | 105,739,000 |
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 | 9,001,000 | 17,709,000 | 26,698,000 | 35,883,000 |
| Interest expense | 1,514,000 | 3,217,000 | 5,127,000 | 7,260,000 |
| Net interest income | 7,487,000 | 14,492,000 | 21,571,000 | 28,623,000 |
| Noninterest income | 414,000 | 856,000 | 1,263,000 | 1,666,000 |
| Noninterest expense | 4,684,000 | 9,095,000 | 13,862,000 | 18,676,000 |
| Provision for loan losses | -310,000 | -266,000 | -266,000 | -241,000 |
| Pretax income | 3,503,000 | 6,525,000 | 9,228,000 | 11,866,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,503,000 | 6,525,000 | 9,228,000 | 11,866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,731,000 | 76,405,000 | 77,798,000 | 76,267,000 |