Call reports 2023
DEFIANCE STATE BANK — 2023
What DEFIANCE STATE 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 | 44,238,000 | 43,970,000 | 42,131,000 | 43,204,000 |
| Total loans | 27,029,000 | 27,478,000 | 29,934,000 | 30,106,000 |
| Allowance for loan losses | 177,000 | 177,000 | 177,000 | 177,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,535,000 | 6,994,000 | 6,502,000 | 6,507,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,580,000 | 35,737,000 | 31,776,000 | 32,431,000 |
| Interest-bearing deposits | 30,475,000 | 28,979,000 | 27,495,000 | 27,629,000 |
| Noninterest-bearing deposits | 6,105,000 | 6,758,000 | 4,281,000 | 4,802,000 |
| Equity capital | 3,643,000 | 3,689,000 | 3,782,000 | 3,773,000 |
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 | 414,000 | 856,000 | 1,295,000 | 1,772,000 |
| Interest expense | 49,000 | 105,000 | 176,000 | 293,000 |
| Net interest income | 365,000 | 751,000 | 1,119,000 | 1,479,000 |
| Noninterest income | 24,000 | 44,000 | 63,000 | 88,000 |
| Noninterest expense | 271,000 | 570,000 | 861,000 | 1,251,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 118,000 | 225,000 | 321,000 | 316,000 |
| Income tax | 0 | 0 | 3,000 | 8,000 |
| Net income | 118,000 | 225,000 | 318,000 | 308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,643,000 | 3,689,000 | 3,782,000 | 3,773,000 |
| Total capital | 3,820,000 | 3,866,000 | 3,959,000 | 3,950,000 |
| Risk-weighted assets | 34,740,000 | 34,972,000 | 36,668,000 | 36,987,000 |