Call reports 2023
CARVER STATE BANK — 2023
What CARVER 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 | 86,321,000 | 83,918,000 | 82,673,000 | 81,906,000 |
| Total loans | 39,496,000 | 42,564,000 | 41,319,000 | 41,923,000 |
| Allowance for loan losses | 713,000 | 715,000 | 984,000 | 985,000 |
| Securities available for sale | 27,089,000 | 23,936,000 | 17,349,000 | 15,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,496,000 | 69,917,000 | 67,613,000 | 65,789,000 |
| Interest-bearing deposits | 36,563,000 | 35,388,000 | 35,141,000 | 35,423,000 |
| Noninterest-bearing deposits | 35,933,000 | 34,529,000 | 32,472,000 | 30,366,000 |
| Equity capital | 10,733,000 | 10,938,000 | 14,041,000 | 14,735,000 |
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 | 910,000 | 1,926,000 | 3,102,000 | 4,273,000 |
| Interest expense | 28,000 | 81,000 | 142,000 | 226,000 |
| Net interest income | 882,000 | 1,845,000 | 2,960,000 | 4,047,000 |
| Noninterest income | 40,000 | 87,000 | 428,000 | 846,000 |
| Noninterest expense | 827,000 | 1,622,000 | 2,338,000 | 3,166,000 |
| Provision for loan losses | 0 | 0 | 425,000 | 425,000 |
| Pretax income | 95,000 | 310,000 | 625,000 | 1,302,000 |
| Income tax | 0 | 0 | 0 | 195,000 |
| Net income | 95,000 | 310,000 | 625,000 | 1,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,135,000 | 11,350,000 | 14,414,000 | 14,898,000 |