Call reports 2023
MONTEZUMA STATE BANK — 2023
What MONTEZUMA STATE 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 | 53,895,000 | 55,576,000 | 56,472,000 | 52,272,000 |
| Total loans | 23,042,000 | 22,624,000 | 23,262,000 | 23,344,000 |
| Allowance for loan losses | 424,000 | 424,000 | 426,000 | 452,000 |
| Securities available for sale | 11,252,000 | 10,708,000 | 10,432,000 | 10,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,625,000 | 49,153,000 | 50,091,000 | 45,225,000 |
| Interest-bearing deposits | 37,918,000 | 36,677,000 | 39,788,000 | 35,627,000 |
| Noninterest-bearing deposits | 9,708,000 | 12,476,000 | 10,303,000 | 9,598,000 |
| Equity capital | 6,020,000 | 6,180,000 | 6,092,000 | 6,685,000 |
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 | 525,000 | 1,138,000 | 1,853,000 | 2,556,000 |
| Interest expense | 90,000 | 228,000 | 381,000 | 563,000 |
| Net interest income | 435,000 | 910,000 | 1,472,000 | 1,993,000 |
| Noninterest income | 44,000 | 92,000 | 138,000 | 200,000 |
| Noninterest expense | 229,000 | 436,000 | 646,000 | 839,000 |
| Provision for loan losses | 25,000 | 25,000 | 30,000 | 55,000 |
| Pretax income | 225,000 | 541,000 | 934,000 | 1,299,000 |
| Income tax | 53,000 | 129,000 | 225,000 | 314,000 |
| Net income | 172,000 | 412,000 | 709,000 | 985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,346,000 | 6,585,000 | 6,677,000 | 6,953,000 |