Call reports 2024
SPRATT SAVINGS BANK — 2024
What SPRATT SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 146,246,000 | 145,902,000 | 144,734,000 | 142,503,000 |
| Total loans | 45,153,000 | 46,151,000 | 47,340,000 | 46,898,000 |
| Allowance for loan losses | 1,162,000 | 1,162,000 | 1,162,000 | 1,157,000 |
| Securities available for sale | 6,407,000 | 6,112,000 | 9,033,000 | 10,285,000 |
| Securities held to maturity | 71,979,000 | 72,180,000 | 68,927,000 | 66,793,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,580,000 | 115,141,000 | 113,798,000 | 111,802,000 |
| Interest-bearing deposits | 102,108,000 | 101,927,000 | 102,100,000 | 99,977,000 |
| Noninterest-bearing deposits | 13,472,000 | 13,214,000 | 11,698,000 | 11,825,000 |
| Equity capital | 30,318,000 | 30,376,000 | 30,526,000 | 30,375,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,347,000 | 2,720,000 | 4,113,000 | 5,494,000 |
| Interest expense | 506,000 | 1,035,000 | 1,591,000 | 2,090,000 |
| Net interest income | 841,000 | 1,685,000 | 2,522,000 | 3,404,000 |
| Noninterest income | 54,000 | 107,000 | 166,000 | 221,000 |
| Noninterest expense | 848,000 | 1,698,000 | 2,555,000 | 3,470,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 47,000 | 94,000 | 133,000 | 155,000 |
| Income tax | 8,000 | 15,000 | 22,000 | 19,000 |
| Net income | 39,000 | 79,000 | 111,000 | 136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,618,000 | 30,657,000 | 30,690,000 | 30,714,000 |