Call reports 2023
BANK OF CALHOUN COUNTY — 2023
What BANK OF CALHOUN COUNTY 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 | 93,423,000 | 90,140,000 | 87,890,000 | 92,946,000 |
| Total loans | 43,144,000 | 43,229,000 | 43,673,000 | 45,395,000 |
| Allowance for loan losses | 281,000 | 288,000 | 289,000 | 291,000 |
| Securities available for sale | 15,185,000 | 13,362,000 | 11,681,000 | 12,981,000 |
| Securities held to maturity | 165,000 | 164,000 | 164,000 | 161,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,284,000 | 81,890,000 | 79,789,000 | 84,777,000 |
| Interest-bearing deposits | 58,707,000 | 56,700,000 | 56,661,000 | 60,916,000 |
| Noninterest-bearing deposits | 26,577,000 | 25,190,000 | 23,128,000 | 23,861,000 |
| Equity capital | 7,479,000 | 7,568,000 | 7,707,000 | 7,935,000 |
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 | 814,000 | 1,654,000 | 2,492,000 | 3,406,000 |
| Interest expense | 55,000 | 132,000 | 258,000 | 461,000 |
| Net interest income | 759,000 | 1,522,000 | 2,234,000 | 2,945,000 |
| Noninterest income | 56,000 | 113,000 | 160,000 | 217,000 |
| Noninterest expense | 438,000 | 888,000 | 1,333,000 | 1,831,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 377,000 | 747,000 | 1,061,000 | 1,331,000 |
| Income tax | 115,000 | 209,000 | 288,000 | 377,000 |
| Net income | 262,000 | 538,000 | 773,000 | 954,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,621,000 | 7,806,000 | 7,996,000 | 8,226,000 |
| Total capital | 7,902,000 | 8,094,000 | 8,285,000 | — |
| Risk-weighted assets | 42,664,000 | 42,527,000 | 42,068,000 | — |