Call reports 2023
READLYN SAVINGS BANK, THE — 2023
What READLYN SAVINGS BANK, THE 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 | 135,244,000 | 136,247,000 | 135,535,000 | 140,179,000 |
| Total loans | 97,900,000 | 98,250,000 | 100,771,000 | 105,980,000 |
| Allowance for loan losses | 1,275,000 | 1,285,000 | 1,303,000 | 1,341,000 |
| Securities available for sale | 32,187,000 | 30,663,000 | 29,169,000 | 29,591,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,704,000 | 99,855,000 | 96,202,000 | 97,174,000 |
| Interest-bearing deposits | 80,772,000 | 78,997,000 | 85,805,000 | 78,183,000 |
| Noninterest-bearing deposits | 18,932,000 | 20,858,000 | 10,397,000 | 18,991,000 |
| Equity capital | 22,292,000 | 22,267,000 | 21,870,000 | 23,435,000 |
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 | 1,487,000 | 3,036,000 | 4,649,000 | 6,332,000 |
| Interest expense | 366,000 | 809,000 | 1,327,000 | 1,915,000 |
| Net interest income | 1,121,000 | 2,227,000 | 3,322,000 | 4,417,000 |
| Noninterest income | 34,000 | 76,000 | 107,000 | 152,000 |
| Noninterest expense | 471,000 | 965,000 | 1,476,000 | 1,963,000 |
| Provision for loan losses | 0 | 10,000 | 50,000 | 88,000 |
| Pretax income | 684,000 | 1,328,000 | 1,903,000 | 2,518,000 |
| Income tax | 30,000 | 60,000 | 90,000 | 121,000 |
| Net income | 654,000 | 1,268,000 | 1,813,000 | 2,397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,755,000 | 26,069,000 | 26,615,000 | 26,599,000 |
| Total capital | 27,030,000 | 27,354,000 | 27,918,000 | 27,940,000 |
| Risk-weighted assets | 108,641,000 | 109,368,000 | 111,416,000 | 114,924,000 |