Call reports 2024
SMALL BUSINESS BANK — 2024
What SMALL BUSINESS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 93,841,000 | 94,182,000 | 91,599,000 | 87,130,000 |
| Total loans | 78,296,000 | 75,103,000 | 69,150,000 | 67,264,000 |
| Allowance for loan losses | 523,000 | 521,000 | 510,000 | 632,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,794,000 | 84,147,000 | 81,435,000 | 77,808,000 |
| Interest-bearing deposits | 50,720,000 | 52,696,000 | 49,258,000 | 47,474,000 |
| Noninterest-bearing deposits | 33,074,000 | 31,451,000 | 32,177,000 | 30,334,000 |
| Equity capital | 9,749,000 | 9,760,000 | 9,846,000 | 9,096,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,058,000 | 2,035,000 | 3,003,000 | 4,009,000 |
| Interest expense | 635,000 | 1,305,000 | 2,039,000 | 2,596,000 |
| Net interest income | 423,000 | 730,000 | 964,000 | 1,413,000 |
| Noninterest income | 342,000 | 409,000 | 288,000 | 314,000 |
| Noninterest expense | 1,223,000 | 2,114,000 | 3,491,000 | 5,082,000 |
| Provision for loan losses | -5,000 | -5,000 | -5,000 | 1,415,000 |
| Pretax income | -458,000 | -975,000 | -2,239,000 | -4,790,000 |
| Income tax | -120,000 | -248,000 | -448,000 | -448,000 |
| Net income | -338,000 | -727,000 | -1,791,000 | -4,342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,501,000 | 8,389,000 | 8,275,000 | 7,524,000 |
| Total capital | 9,029,000 | 8,915,000 | — | — |
| Risk-weighted assets | 44,203,000 | 44,292,000 | — | — |
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