Call reports 2023
BANK OF ST. FRANCISVILLE — 2023
What BANK OF ST. FRANCISVILLE 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 | 253,797,000 | 296,216,000 | 301,788,000 | 326,058,000 |
| Total loans | 199,348,000 | 218,132,000 | 229,901,000 | 232,702,000 |
| Allowance for loan losses | 3,040,000 | 3,085,000 | 3,139,000 | 3,195,000 |
| Securities available for sale | 30,826,000 | 30,254,000 | 30,226,000 | 28,186,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,144,000 | 249,449,000 | 257,608,000 | 280,463,000 |
| Interest-bearing deposits | 144,726,000 | 162,519,000 | 170,418,000 | 193,581,000 |
| Noninterest-bearing deposits | 83,418,000 | 86,930,000 | 87,190,000 | 86,883,000 |
| Equity capital | 23,729,000 | 24,238,000 | 26,178,000 | 28,004,000 |
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 | 3,283,000 | 7,153,000 | 11,461,000 | 15,976,000 |
| Interest expense | 679,000 | 1,582,000 | 3,058,000 | 4,766,000 |
| Net interest income | 2,604,000 | 5,571,000 | 8,403,000 | 11,210,000 |
| Noninterest income | 250,000 | 509,000 | 775,000 | 1,279,000 |
| Noninterest expense | 1,922,000 | 3,849,000 | 5,835,000 | 8,048,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 857,000 | 2,081,000 | 3,118,000 | 4,141,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 857,000 | 2,081,000 | 3,118,000 | 4,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,845,000 | 26,314,000 | 28,769,000 | 29,787,000 |
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