Call reports 2023
SMALL BUSINESS BANK — 2023
What SMALL BUSINESS 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 | 102,663,000 | 100,880,000 | 102,552,000 | 95,822,000 |
| Total loans | 81,891,000 | 80,527,000 | 79,986,000 | 78,065,000 |
| Allowance for loan losses | 522,000 | 499,000 | 499,000 | 551,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,937,000 | 90,295,000 | 92,758,000 | 87,164,000 |
| Interest-bearing deposits | 48,979,000 | 49,857,000 | 54,395,000 | 52,050,000 |
| Noninterest-bearing deposits | 42,958,000 | 40,438,000 | 38,363,000 | 35,114,000 |
| Equity capital | 10,511,000 | 10,320,000 | 9,404,000 | 7,872,000 |
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 | 969,000 | 1,848,000 | 2,961,000 | 4,060,000 |
| Interest expense | 421,000 | 909,000 | 1,536,000 | 2,218,000 |
| Net interest income | 548,000 | 939,000 | 1,425,000 | 1,842,000 |
| Noninterest income | 192,000 | 563,000 | 857,000 | 886,000 |
| Noninterest expense | 928,000 | 1,959,000 | 3,655,000 | 5,401,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -188,000 | -457,000 | -1,373,000 | -2,673,000 |
| Income tax | -46,000 | -124,000 | -124,000 | -645,000 |
| Net income | -142,000 | -333,000 | -1,249,000 | -2,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,289,000 | 10,098,000 | 9,330,000 | 6,730,000 |
| Total capital | — | — | — | 7,270,000 |
| Risk-weighted assets | — | — | — | 43,184,000 |