Call reports 2023
SANGER BANK — 2023
What SANGER 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 | 201,472,000 | 203,280,000 | 207,971,000 | 207,323,000 |
| Total loans | 121,924,000 | 121,619,000 | 118,126,000 | 122,155,000 |
| Allowance for loan losses | 1,427,000 | 1,487,000 | 1,547,000 | 1,565,000 |
| Securities available for sale | 1,841,000 | 1,747,000 | 1,605,000 | 1,640,000 |
| Securities held to maturity | 31,606,000 | 30,975,000 | 34,970,000 | 34,759,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,505,000 | 172,486,000 | 176,282,000 | 175,138,000 |
| Interest-bearing deposits | 121,262,000 | 121,582,000 | 124,600,000 | 126,880,000 |
| Noninterest-bearing deposits | 50,243,000 | 50,904,000 | 51,682,000 | 48,258,000 |
| Equity capital | 28,863,000 | 29,583,000 | 30,307,000 | 30,743,000 |
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 | 2,349,000 | 4,891,000 | 7,628,000 | 10,511,000 |
| Interest expense | 424,000 | 1,075,000 | 1,874,000 | 2,754,000 |
| Net interest income | 1,925,000 | 3,816,000 | 5,754,000 | 7,757,000 |
| Noninterest income | 217,000 | 444,000 | 662,000 | 877,000 |
| Noninterest expense | 1,160,000 | 2,298,000 | 3,423,000 | 4,711,000 |
| Provision for loan losses | 95,000 | 165,000 | 225,000 | 243,000 |
| Pretax income | 887,000 | 1,797,000 | 2,768,000 | 3,680,000 |
| Income tax | 182,000 | 366,000 | 563,000 | 670,000 |
| Net income | 705,000 | 1,431,000 | 2,205,000 | 3,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,128,000 | 29,854,000 | 30,628,000 | 30,983,000 |
| Total capital | 30,555,000 | 31,341,000 | 32,175,000 | 32,548,000 |
| Risk-weighted assets | 129,511,000 | 131,514,000 | 128,302,000 | 133,377,000 |