Call reports 2023
MCHENRY SAVINGS BANK — 2023
What MCHENRY SAVINGS 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 | 312,450,000 | 322,397,000 | 330,598,000 | 311,809,000 |
| Total loans | 213,993,000 | 225,508,000 | 231,136,000 | 230,569,000 |
| Allowance for loan losses | 2,325,000 | 2,409,000 | 2,394,000 | 2,295,000 |
| Securities available for sale | 60,273,000 | 55,140,000 | 52,047,000 | 51,757,000 |
| Securities held to maturity | 12,850,000 | 12,687,000 | 12,560,000 | 10,901,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,673,000 | 261,205,000 | 271,226,000 | 250,570,000 |
| Interest-bearing deposits | 227,459,000 | 227,528,000 | 237,761,000 | 219,234,000 |
| Noninterest-bearing deposits | 34,214,000 | 33,677,000 | 33,465,000 | 31,336,000 |
| Equity capital | 24,781,000 | 25,265,000 | 25,639,000 | 26,577,000 |
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 | 3,581,000 | 7,236,000 | 11,168,000 | 15,273,000 |
| Interest expense | 1,394,000 | 3,001,000 | 4,826,000 | 6,778,000 |
| Net interest income | 2,187,000 | 4,235,000 | 6,342,000 | 8,495,000 |
| Noninterest income | 200,000 | 633,000 | 838,000 | 1,368,000 |
| Noninterest expense | 1,691,000 | 3,539,000 | 5,425,000 | 7,352,000 |
| Provision for loan losses | 0 | 85,000 | 85,000 | 0 |
| Pretax income | 701,000 | 1,205,000 | 1,635,000 | 2,503,000 |
| Income tax | 146,000 | 237,000 | 310,000 | 502,000 |
| Net income | 555,000 | 968,000 | 1,325,000 | 2,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,682,000 | 27,094,000 | 27,450,000 | 28,228,000 |
| Total capital | 28,746,000 | 29,220,000 | 29,844,000 | 30,407,000 |
| Risk-weighted assets | 234,753,000 | 238,224,000 | 244,964,000 | 243,359,000 |