Call reports 2023
CFSBANK — 2023
What CFSBANK 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 | 606,980,000 | 613,288,000 | 626,389,000 | 639,909,000 |
| Total loans | 378,229,000 | 387,596,000 | 399,979,000 | 406,485,000 |
| Allowance for loan losses | 2,408,000 | 2,409,000 | 2,376,000 | 2,447,000 |
| Securities available for sale | 127,708,000 | 124,644,000 | 130,362,000 | 125,811,000 |
| Securities held to maturity | 42,548,000 | 40,354,000 | 38,699,000 | 37,218,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 518,554,000 | 518,316,000 | 523,030,000 | 528,471,000 |
| Interest-bearing deposits | 409,804,000 | 415,804,000 | 427,351,000 | 429,792,000 |
| Noninterest-bearing deposits | 108,750,000 | 102,512,000 | 95,679,000 | 98,679,000 |
| Equity capital | 64,405,000 | 63,482,000 | 61,162,000 | 68,542,000 |
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 | 4,729,000 | 9,606,000 | 14,725,000 | 20,269,000 |
| Interest expense | 1,503,000 | 3,537,000 | 6,068,000 | 9,107,000 |
| Net interest income | 3,226,000 | 6,069,000 | 8,657,000 | 11,162,000 |
| Noninterest income | 440,000 | 870,000 | 1,363,000 | 3,638,000 |
| Noninterest expense | 3,220,000 | 6,336,000 | 9,498,000 | 11,832,000 |
| Provision for loan losses | 0 | 0 | -22,000 | -22,000 |
| Pretax income | 446,000 | 603,000 | 544,000 | 933,000 |
| Income tax | 110,000 | 124,000 | 74,000 | -301,000 |
| Net income | 336,000 | 479,000 | 470,000 | 1,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,282,000 | 80,425,000 | 80,416,000 | 81,188,000 |
| Total capital | 82,690,000 | 82,834,000 | 82,792,000 | 83,635,000 |
| Risk-weighted assets | 333,640,000 | 334,335,000 | 344,582,000 | 349,349,000 |