Call reports 2022
SANGER BANK — 2022
What SANGER BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 190,752,000 | 193,449,000 | 203,656,000 | 202,453,000 |
| Total loans | 101,403,000 | 104,986,000 | 113,005,000 | 114,642,000 |
| Allowance for loan losses | 1,143,000 | 1,180,000 | 1,236,000 | 1,332,000 |
| Securities available for sale | 2,379,000 | 2,161,000 | 1,938,000 | 1,902,000 |
| Securities held to maturity | 21,164,000 | 25,661,000 | 32,842,000 | 33,718,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,990,000 | 165,290,000 | 174,881,000 | 173,633,000 |
| Interest-bearing deposits | 114,108,000 | 115,050,000 | 121,442,000 | 121,555,000 |
| Noninterest-bearing deposits | 48,882,000 | 50,240,000 | 53,439,000 | 52,078,000 |
| Equity capital | 26,810,000 | 27,232,000 | 27,801,000 | 28,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,578,000 | 3,303,000 | 5,297,000 | 7,510,000 |
| Interest expense | 129,000 | 251,000 | 413,000 | 666,000 |
| Net interest income | 1,449,000 | 3,052,000 | 4,884,000 | 6,844,000 |
| Noninterest income | 193,000 | 397,000 | 625,000 | 834,000 |
| Noninterest expense | 1,059,000 | 2,150,000 | 3,388,000 | 4,568,000 |
| Provision for loan losses | 45,000 | 82,000 | 138,000 | 234,000 |
| Pretax income | 538,000 | 1,217,000 | 1,983,000 | 2,876,000 |
| Income tax | 100,000 | 227,000 | 378,000 | 533,000 |
| Net income | 438,000 | 990,000 | 1,605,000 | 2,343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,956,000 | 27,508,000 | 28,123,000 | 28,423,000 |
| Total capital | 28,099,000 | 28,688,000 | 29,359,000 | 29,755,000 |
| Risk-weighted assets | 101,700,000 | 110,112,000 | 122,155,000 | 123,387,000 |