Call reports 2023
PICKENS SAVINGS AND LOAN ASSOCIATION, FEDERAL ASSOCIATION — 2023
What PICKENS SAVINGS AND LOAN ASSOCIATION, FEDERAL ASSOCIATION 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 | 126,862,000 | 126,286,000 | 124,820,000 | 124,645,000 |
| Total loans | 67,858,000 | 68,430,000 | 70,801,000 | 71,925,000 |
| Allowance for loan losses | 899,000 | 900,000 | 844,000 | 841,000 |
| Securities available for sale | 38,538,000 | 37,597,000 | 35,896,000 | 37,179,000 |
| Securities held to maturity | 2,467,000 | 2,464,000 | 2,440,000 | 2,437,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,650,000 | 110,684,000 | 109,789,000 | 107,982,000 |
| Interest-bearing deposits | 103,867,000 | 105,042,000 | 103,643,000 | 102,352,000 |
| Noninterest-bearing deposits | 5,783,000 | 5,642,000 | 6,146,000 | 5,630,000 |
| Equity capital | 10,599,000 | 10,500,000 | 9,771,000 | 11,352,000 |
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 | 1,181,000 | 2,401,000 | 3,641,000 | 4,904,000 |
| Interest expense | 183,000 | 475,000 | 825,000 | 1,224,000 |
| Net interest income | 998,000 | 1,926,000 | 2,816,000 | 3,680,000 |
| Noninterest income | 68,000 | 142,000 | 212,000 | 286,000 |
| Noninterest expense | 742,000 | 1,502,000 | 2,271,000 | 3,014,000 |
| Provision for loan losses | -1,000 | 0 | -58,000 | -60,000 |
| Pretax income | 325,000 | 566,000 | 759,000 | 954,000 |
| Income tax | 53,000 | 89,000 | 118,000 | 145,000 |
| Net income | 272,000 | 477,000 | 641,000 | 809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,155,000 | 13,362,000 | 13,527,000 | 13,698,000 |
| Total capital | 13,914,000 | 14,126,000 | 14,306,000 | 14,474,000 |
| Risk-weighted assets | 60,592,000 | 60,999,000 | 62,188,000 | 61,996,000 |