Call reports 2022
SPRATT SAVINGS BANK — 2022
What SPRATT SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 152,893,000 | 154,475,000 | 155,250,000 | 153,881,000 |
| Total loans | 41,758,000 | 41,797,000 | 42,255,000 | 41,602,000 |
| Allowance for loan losses | 1,164,000 | 1,163,000 | 1,163,000 | 1,163,000 |
| Securities available for sale | 11,625,000 | 11,761,000 | 10,655,000 | 10,322,000 |
| Securities held to maturity | 65,418,000 | 68,244,000 | 70,083,000 | 71,909,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,184,000 | 124,817,000 | 125,417,000 | 123,654,000 |
| Interest-bearing deposits | 110,779,000 | 111,959,000 | 113,269,000 | 111,201,000 |
| Noninterest-bearing deposits | 12,405,000 | 12,858,000 | 12,148,000 | 12,453,000 |
| Equity capital | 29,549,000 | 29,437,000 | 29,322,000 | 29,559,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 849,000 | 1,798,000 | 2,881,000 | 4,111,000 |
| Interest expense | 200,000 | 398,000 | 613,000 | 879,000 |
| Net interest income | 649,000 | 1,400,000 | 2,268,000 | 3,232,000 |
| Noninterest income | 43,000 | 91,000 | 138,000 | 194,000 |
| Noninterest expense | 730,000 | 1,481,000 | 2,233,000 | 3,006,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -38,000 | 10,000 | 173,000 | 420,000 |
| Income tax | -13,000 | -4,000 | 32,000 | 100,000 |
| Net income | -25,000 | 14,000 | 141,000 | 320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,664,000 | 29,703,000 | 29,830,000 | 30,009,000 |