Call reports 2023
GOLDEN BELT BANK, FSA — 2023
What GOLDEN BELT BANK, FSA 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 | 300,344,000 | 305,246,000 | 303,784,000 | 309,505,000 |
| Total loans | 205,221,000 | 210,670,000 | 211,667,000 | 218,767,000 |
| Allowance for loan losses | 2,226,000 | 2,226,000 | 2,248,000 | 2,274,000 |
| Securities available for sale | 70,565,000 | 68,761,000 | 66,608,000 | 67,841,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,768,000 | 248,750,000 | 255,986,000 | 261,374,000 |
| Interest-bearing deposits | 197,380,000 | 194,666,000 | 204,920,000 | 209,239,000 |
| Noninterest-bearing deposits | 56,388,000 | 54,084,000 | 51,066,000 | 52,135,000 |
| Equity capital | 31,033,000 | 30,948,000 | 30,272,000 | 32,555,000 |
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 | 3,152,000 | 6,418,000 | 9,854,000 | 13,459,000 |
| Interest expense | 619,000 | 1,338,000 | 2,182,000 | 3,217,000 |
| Net interest income | 2,533,000 | 5,080,000 | 7,672,000 | 10,242,000 |
| Noninterest income | 474,000 | 1,017,000 | 1,525,000 | 1,955,000 |
| Noninterest expense | 2,157,000 | 4,157,000 | 6,201,000 | 8,357,000 |
| Provision for loan losses | 0 | 0 | 190,000 | 220,000 |
| Pretax income | 850,000 | 1,940,000 | 2,806,000 | 3,620,000 |
| Income tax | 24,000 | 56,000 | 92,000 | 120,000 |
| Net income | 826,000 | 1,884,000 | 2,714,000 | 3,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,065,000 | 34,810,000 | 35,233,000 | 37,454,000 |