Call reports 2023
BREDA SAVINGS BANK — 2023
What BREDA 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 | 91,127,000 | 91,450,000 | 94,079,000 | 99,307,000 |
| Total loans | 49,497,000 | 51,029,000 | 54,359,000 | 57,558,000 |
| Allowance for loan losses | 403,000 | 414,000 | 414,000 | 414,000 |
| Securities available for sale | 35,497,000 | 35,160,000 | 33,953,000 | 35,658,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,520,000 | 70,602,000 | 73,617,000 | 75,446,000 |
| Interest-bearing deposits | 44,642,000 | 46,197,000 | 50,762,000 | 54,832,000 |
| Noninterest-bearing deposits | 26,878,000 | 24,404,000 | 22,855,000 | 20,614,000 |
| Equity capital | 5,346,000 | 5,508,000 | 5,012,000 | 6,603,000 |
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 | 867,000 | 1,811,000 | 2,807,000 | 3,954,000 |
| Interest expense | 313,000 | 708,000 | 1,169,000 | 1,761,000 |
| Net interest income | 554,000 | 1,103,000 | 1,638,000 | 2,193,000 |
| Noninterest income | 92,000 | 181,000 | 306,000 | 444,000 |
| Noninterest expense | 384,000 | 762,000 | 1,145,000 | 1,559,000 |
| Provision for loan losses | -5,000 | 6,000 | 6,000 | 6,000 |
| Pretax income | 267,000 | 516,000 | 793,000 | 1,072,000 |
| Income tax | 0 | 16,000 | 16,000 | 36,000 |
| Net income | 267,000 | 500,000 | 777,000 | 1,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,417,000 | 8,650,000 | 8,927,000 | 9,187,000 |