Call reports 2023
STATE BANK OF BEMENT — 2023
What STATE BANK OF BEMENT 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 | 168,945,000 | 168,293,000 | 173,313,000 | 180,826,000 |
| Total loans | 80,573,000 | 86,149,000 | 90,830,000 | 100,790,000 |
| Allowance for loan losses | 910,000 | 921,000 | 919,000 | 911,000 |
| Securities available for sale | 57,262,000 | 56,404,000 | 55,758,000 | 54,587,000 |
| Securities held to maturity | 555,000 | 555,000 | 555,000 | 380,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,105,000 | 153,685,000 | 150,232,000 | 146,816,000 |
| Interest-bearing deposits | 113,306,000 | 115,761,000 | 116,225,000 | 112,446,000 |
| Noninterest-bearing deposits | 40,799,000 | 37,924,000 | 34,007,000 | 34,370,000 |
| Equity capital | 14,074,000 | 14,025,000 | 14,003,000 | 15,118,000 |
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 | 1,678,000 | 3,417,000 | 5,292,000 | 7,330,000 |
| Interest expense | 242,000 | 536,000 | 907,000 | 1,344,000 |
| Net interest income | 1,436,000 | 2,881,000 | 4,385,000 | 5,986,000 |
| Noninterest income | 189,000 | 367,000 | 547,000 | 778,000 |
| Noninterest expense | 1,176,000 | 2,391,000 | 3,609,000 | 4,815,000 |
| Provision for loan losses | 28,000 | 39,000 | 39,000 | 41,000 |
| Pretax income | 421,000 | 818,000 | 1,284,000 | 1,839,000 |
| Income tax | 86,000 | 175,000 | 274,000 | 395,000 |
| Net income | 335,000 | 643,000 | 1,010,000 | 1,444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,268,000 | 16,576,000 | 16,943,000 | 16,877,000 |