Call reports 2023
ELK STATE BANK — 2023
What ELK 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 | 125,185,000 | 126,771,000 | 123,969,000 | 132,244,000 |
| Total loans | 60,540,000 | 63,242,000 | 61,550,000 | 67,067,000 |
| Allowance for loan losses | 1,051,000 | 1,061,000 | 1,070,000 | 1,078,000 |
| Securities available for sale | 24,986,000 | 24,658,000 | 23,566,000 | 25,942,000 |
| Securities held to maturity | 33,840,000 | 33,674,000 | 33,511,000 | 33,362,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,608,000 | 94,449,000 | 92,248,000 | 95,778,000 |
| Interest-bearing deposits | 72,476,000 | 72,387,000 | 67,003,000 | 71,974,000 |
| Noninterest-bearing deposits | 25,132,000 | 22,062,000 | 25,245,000 | 23,804,000 |
| Equity capital | 8,638,000 | 8,395,000 | 8,120,000 | 8,619,000 |
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 | 1,201,000 | 2,430,000 | 3,752,000 | 5,129,000 |
| Interest expense | 367,000 | 819,000 | 1,416,000 | 2,057,000 |
| Net interest income | 834,000 | 1,611,000 | 2,336,000 | 3,072,000 |
| Noninterest income | 64,000 | 131,000 | 194,000 | 258,000 |
| Noninterest expense | 700,000 | 1,354,000 | 2,076,000 | 2,781,000 |
| Provision for loan losses | 8,000 | 16,000 | 23,000 | 31,000 |
| Pretax income | 189,000 | 381,000 | 443,000 | 538,000 |
| Income tax | 12,000 | -2,000 | 5,000 | 15,000 |
| Net income | 177,000 | 383,000 | 438,000 | 523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,938,000 | 10,845,000 | 10,899,000 | 10,735,000 |
| Total capital | 11,791,000 | 11,713,000 | 11,763,000 | 11,657,000 |
| Risk-weighted assets | 68,010,000 | 69,252,000 | 68,940,000 | 73,581,000 |