Call reports 2023
FIRST NATURALSTATE BANK — 2023
What FIRST NATURALSTATE 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 | 87,819,000 | 87,194,000 | 93,295,000 | 94,630,000 |
| Total loans | 62,588,000 | 67,969,000 | 68,075,000 | 66,571,000 |
| Allowance for loan losses | 1,131,000 | 1,131,000 | 1,130,000 | 1,413,000 |
| Securities available for sale | 15,635,000 | 15,065,000 | 14,343,000 | 14,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,211,000 | 75,215,000 | 79,145,000 | 80,083,000 |
| Interest-bearing deposits | 46,594,000 | 46,528,000 | 49,387,000 | 48,914,000 |
| Noninterest-bearing deposits | 32,617,000 | 28,687,000 | 29,758,000 | 31,169,000 |
| Equity capital | 8,255,000 | 8,216,000 | 12,502,000 | 12,916,000 |
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 | 994,000 | 1,988,000 | 3,153,000 | 4,314,000 |
| Interest expense | 187,000 | 445,000 | 828,000 | 1,117,000 |
| Net interest income | 807,000 | 1,543,000 | 2,325,000 | 3,197,000 |
| Noninterest income | 70,000 | 204,000 | 6,467,000 | 6,931,000 |
| Noninterest expense | 531,000 | 1,230,000 | 2,133,000 | 3,222,000 |
| Provision for loan losses | 0 | 0 | 0 | 300,000 |
| Pretax income | 346,000 | 517,000 | 6,659,000 | 6,606,000 |
| Income tax | 77,000 | 134,000 | 1,661,000 | 1,489,000 |
| Net income | 269,000 | 383,000 | 4,998,000 | 5,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,424,000 | 9,538,000 | 14,153,000 | 14,007,000 |
| Total capital | 10,199,000 | 10,305,000 | 14,999,000 | 14,794,000 |
| Risk-weighted assets | 61,663,000 | 60,982,000 | 67,038,000 | 62,339,000 |