Call reports 2023
BELGRADE STATE BANK — 2023
What BELGRADE STATE 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 | 406,679,000 | 418,094,000 | 429,179,000 | 430,233,000 |
| Total loans | 296,102,000 | 299,768,000 | 308,570,000 | 323,291,000 |
| Allowance for loan losses | 3,821,000 | 3,914,000 | 3,271,000 | 3,743,000 |
| Securities available for sale | 34,554,000 | 33,659,000 | 31,992,000 | 34,127,000 |
| Securities held to maturity | 11,454,000 | 11,502,000 | 11,552,000 | 11,601,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,839,000 | 379,230,000 | 394,779,000 | 393,606,000 |
| Interest-bearing deposits | 312,617,000 | 325,550,000 | 343,493,000 | 341,892,000 |
| Noninterest-bearing deposits | 56,222,000 | 53,680,000 | 51,286,000 | 51,714,000 |
| Equity capital | 29,247,000 | 29,761,000 | 30,485,000 | 32,919,000 |
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 | 4,740,000 | 10,080,000 | 16,120,000 | 22,568,000 |
| Interest expense | 1,284,000 | 2,818,000 | 4,727,000 | 6,954,000 |
| Net interest income | 3,456,000 | 7,262,000 | 11,393,000 | 15,614,000 |
| Noninterest income | 1,968,000 | 3,423,000 | 4,319,000 | 5,207,000 |
| Noninterest expense | 3,155,000 | 6,088,000 | 9,137,000 | 12,284,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 860,000 |
| Pretax income | 2,179,000 | 4,417,000 | 6,304,000 | 7,676,000 |
| Income tax | 497,000 | 1,032,000 | 1,448,000 | 1,655,000 |
| Net income | 1,682,000 | 3,385,000 | 4,856,000 | 6,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,352,000 | 37,405,000 | 38,877,000 | 39,341,000 |
| Total capital | 39,737,000 | 40,805,000 | 42,149,000 | 42,958,000 |
| Risk-weighted assets | 270,380,000 | 271,546,000 | 279,153,000 | 289,243,000 |