Call reports 2023
SPRATT SAVINGS BANK — 2023
What SPRATT 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 | 152,473,000 | 148,611,000 | 145,709,000 | 146,635,000 |
| Total loans | 42,764,000 | 43,123,000 | 43,012,000 | 44,206,000 |
| Allowance for loan losses | 1,162,000 | 1,162,000 | 1,162,000 | 1,162,000 |
| Securities available for sale | 9,463,000 | 7,394,000 | 6,914,000 | 6,767,000 |
| Securities held to maturity | 70,956,000 | 71,902,000 | 72,203,000 | 73,789,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,324,000 | 118,342,000 | 115,316,000 | 116,071,000 |
| Interest-bearing deposits | 108,613,000 | 105,181,000 | 102,414,000 | 103,660,000 |
| Noninterest-bearing deposits | 13,711,000 | 13,161,000 | 12,902,000 | 12,411,000 |
| Equity capital | 29,840,000 | 30,010,000 | 30,069,000 | 30,292,000 |
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 | 1,250,000 | 2,559,000 | 3,849,000 | 5,187,000 |
| Interest expense | 298,000 | 634,000 | 1,038,000 | 1,511,000 |
| Net interest income | 952,000 | 1,925,000 | 2,811,000 | 3,676,000 |
| Noninterest income | 64,000 | 138,000 | 200,000 | 260,000 |
| Noninterest expense | 768,000 | 1,569,000 | 2,373,000 | 3,197,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 248,000 | 494,000 | 638,000 | 739,000 |
| Income tax | 56,000 | 112,000 | 142,000 | 169,000 |
| Net income | 192,000 | 382,000 | 496,000 | 570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,201,000 | 30,391,000 | 30,505,000 | 30,579,000 |