Call reports 2023
ACB BANK — 2023
What ACB 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 | 125,561,000 | 128,384,000 | 129,304,000 | 135,670,000 |
| Total loans | 95,700,000 | 100,891,000 | 100,621,000 | 105,037,000 |
| Allowance for loan losses | 2,055,000 | 2,057,000 | 1,689,000 | 2,762,000 |
| Securities available for sale | 19,232,000 | 18,815,000 | 18,312,000 | 18,773,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,411,000 | 106,984,000 | 107,303,000 | 113,293,000 |
| Interest-bearing deposits | 87,956,000 | 86,056,000 | 86,693,000 | 92,675,000 |
| Noninterest-bearing deposits | 20,455,000 | 20,928,000 | 20,610,000 | 20,618,000 |
| Equity capital | 14,313,000 | 14,491,000 | 13,589,000 | 13,930,000 |
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 | 1,589,000 | 3,328,000 | 5,147,000 | 6,936,000 |
| Interest expense | 314,000 | 779,000 | 1,403,000 | 2,233,000 |
| Net interest income | 1,275,000 | 2,549,000 | 3,744,000 | 4,703,000 |
| Noninterest income | 158,000 | 310,000 | 461,000 | 628,000 |
| Noninterest expense | 740,000 | 1,524,000 | 2,376,000 | 3,337,000 |
| Provision for loan losses | 64,000 | 64,000 | 674,000 | 1,749,000 |
| Pretax income | 629,000 | 1,271,000 | 1,155,000 | 245,000 |
| Income tax | 0 | 21,000 | 42,000 | 62,000 |
| Net income | 629,000 | 1,250,000 | 1,113,000 | 183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,064,000 | 16,305,000 | 15,661,000 | 15,404,000 |