Call reports 2023
RG BANK, A SAVINGS AND LOAN ASSOCIATION — 2023
What RG BANK, A SAVINGS AND LOAN ASSOCIATION 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 | 140,975,000 | 137,014,000 | 135,264,000 | 137,487,000 |
| Total loans | 103,039,000 | 100,747,000 | 101,493,000 | 102,511,000 |
| Allowance for loan losses | 1,286,000 | 1,295,000 | 1,301,000 | 1,310,000 |
| Securities available for sale | 20,190,000 | 20,755,000 | 19,654,000 | 20,295,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,321,000 | 124,678,000 | 123,225,000 | 124,744,000 |
| Interest-bearing deposits | 101,955,000 | 97,148,000 | 96,990,000 | 99,946,000 |
| Noninterest-bearing deposits | 26,366,000 | 27,530,000 | 26,235,000 | 24,798,000 |
| Equity capital | 11,973,000 | 12,148,000 | 11,811,000 | 12,586,000 |
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 | 1,481,000 | 2,919,000 | 4,377,000 | 5,871,000 |
| Interest expense | 141,000 | 313,000 | 553,000 | 893,000 |
| Net interest income | 1,340,000 | 2,606,000 | 3,824,000 | 4,978,000 |
| Noninterest income | 114,000 | 239,000 | 366,000 | 496,000 |
| Noninterest expense | 1,168,000 | 2,334,000 | 3,471,000 | 4,726,000 |
| Provision for loan losses | 26,000 | 35,000 | 44,000 | 53,000 |
| Pretax income | 260,000 | 472,000 | 671,000 | 691,000 |
| Income tax | 39,000 | 66,000 | 87,000 | 103,000 |
| Net income | 221,000 | 406,000 | 584,000 | 588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,494,000 | 14,679,000 | 14,857,000 | 14,861,000 |