Call reports 2023
FIRST NATIONAL BANK OF CARMI, THE — 2023
What FIRST NATIONAL BANK OF CARMI, THE 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 | 630,500,000 | 606,536,000 | 605,849,000 | 640,933,000 |
| Total loans | 434,147,000 | 438,551,000 | 442,849,000 | 452,265,000 |
| Allowance for loan losses | 6,146,000 | 6,200,000 | 6,264,000 | 6,169,000 |
| Securities available for sale | 108,596,000 | 101,711,000 | 95,220,000 | 79,157,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 571,049,000 | 547,700,000 | 528,587,000 | 556,934,000 |
| Interest-bearing deposits | 388,959,000 | 376,021,000 | 330,572,000 | 391,002,000 |
| Noninterest-bearing deposits | 182,090,000 | 171,679,000 | 198,015,000 | 165,932,000 |
| Equity capital | 55,164,000 | 55,683,000 | 58,876,000 | 62,229,000 |
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 | 6,801,000 | 13,815,000 | 23,713,000 | 31,592,000 |
| Interest expense | 1,104,000 | 2,552,000 | 4,331,000 | 6,537,000 |
| Net interest income | 5,697,000 | 11,263,000 | 19,382,000 | 25,055,000 |
| Noninterest income | 702,000 | 1,502,000 | 2,211,000 | 3,112,000 |
| Noninterest expense | 4,267,000 | 8,489,000 | 12,460,000 | 16,443,000 |
| Provision for loan losses | 150,000 | 150,000 | 250,000 | 250,000 |
| Pretax income | 1,982,000 | 4,076,000 | 8,833,000 | 11,424,000 |
| Income tax | 521,000 | 1,050,000 | 2,308,000 | 2,715,000 |
| Net income | 1,461,000 | 3,026,000 | 6,525,000 | 8,709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,453,000 | 53,558,000 | 57,703,000 | 59,423,000 |
| Total capital | 58,473,000 | 59,596,000 | 63,709,000 | 65,492,000 |
| Risk-weighted assets | 481,431,000 | 482,796,000 | 480,001,000 | 485,301,000 |