Call reports 2023
PAPER CITY SAVINGS BANK, S.A. — 2023
What PAPER CITY SAVINGS BANK, S.A. 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 | 198,827,000 | 201,505,000 | 204,055,000 | 210,761,000 |
| Total loans | 174,474,000 | 177,399,000 | 180,242,000 | 183,600,000 |
| Allowance for loan losses | 1,365,000 | 1,444,000 | 1,490,000 | 1,516,000 |
| Securities available for sale | 11,143,000 | 10,133,000 | 9,483,000 | 9,455,000 |
| Securities held to maturity | 2,031,000 | 2,031,000 | 2,031,000 | 2,031,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,890,000 | 153,926,000 | 154,519,000 | 155,563,000 |
| Interest-bearing deposits | 132,175,000 | 133,291,000 | 132,371,000 | 129,938,000 |
| Noninterest-bearing deposits | 20,715,000 | 20,635,000 | 22,148,000 | 25,625,000 |
| Equity capital | 28,200,000 | 28,429,000 | 28,545,000 | 29,110,000 |
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 | 1,984,000 | 4,173,000 | 6,493,000 | 8,926,000 |
| Interest expense | 381,000 | 998,000 | 1,768,000 | 2,656,000 |
| Net interest income | 1,603,000 | 3,175,000 | 4,725,000 | 6,270,000 |
| Noninterest income | 264,000 | 591,000 | 886,000 | 1,224,000 |
| Noninterest expense | 1,448,000 | 2,806,000 | 4,260,000 | 5,647,000 |
| Provision for loan losses | 45,000 | 120,000 | 165,000 | 195,000 |
| Pretax income | 374,000 | 840,000 | 1,186,000 | 1,637,000 |
| Income tax | 101,000 | 228,000 | 321,000 | 448,000 |
| Net income | 273,000 | 612,000 | 865,000 | 1,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,780,000 | 29,120,000 | 29,372,000 | 29,697,000 |
| Total capital | 30,145,000 | 30,564,000 | 30,862,000 | 31,228,000 |
| Risk-weighted assets | 139,001,000 | 141,089,000 | 144,159,000 | 148,199,000 |