Call reports 2023
NEW CARLISLE FEDERAL SAVINGS BANK — 2023
What NEW CARLISLE FEDERAL SAVINGS 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 | 223,248,000 | 227,449,000 | 238,450,000 | 249,922,000 |
| Total loans | 191,321,000 | 197,478,000 | 207,688,000 | 211,353,000 |
| Allowance for loan losses | 1,725,000 | 1,781,000 | 1,873,000 | 1,908,000 |
| Securities available for sale | 5,771,000 | 5,709,000 | 5,938,000 | 7,105,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,376,000 | 156,153,000 | 160,771,000 | 173,622,000 |
| Interest-bearing deposits | 116,831,000 | 117,090,000 | 120,704,000 | 130,943,000 |
| Noninterest-bearing deposits | 39,545,000 | 39,063,000 | 40,067,000 | 42,679,000 |
| Equity capital | 18,504,000 | 18,788,000 | 19,260,000 | 19,998,000 |
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 | 2,669,000 | 5,564,000 | 8,763,000 | 12,212,000 |
| Interest expense | 740,000 | 1,693,000 | 2,860,000 | 4,163,000 |
| Net interest income | 1,929,000 | 3,871,000 | 5,903,000 | 8,049,000 |
| Noninterest income | 168,000 | 359,000 | 592,000 | 832,000 |
| Noninterest expense | 1,487,000 | 2,916,000 | 4,381,000 | 5,954,000 |
| Provision for loan losses | -25,000 | 259,000 | 437,000 | 488,000 |
| Pretax income | 635,000 | 1,055,000 | 1,677,000 | 2,439,000 |
| Income tax | 127,000 | 215,000 | 348,000 | 504,000 |
| Net income | 508,000 | 840,000 | 1,329,000 | 1,935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,881,000 | 19,213,000 | 19,702,000 | 20,308,000 |
| Total capital | — | 20,994,000 | 21,575,000 | 22,216,000 |
| Risk-weighted assets | — | 191,991,000 | 200,948,000 | 206,205,000 |