Call reports 2023
WARSAW FEDERAL SAVINGS AND LOAN ASSOCIATION — 2023
What WARSAW FEDERAL SAVINGS AND LOAN ASSOCIATION 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 | 79,971,000 | 87,398,000 | 96,585,000 | 96,974,000 |
| Total loans | 58,747,000 | 68,361,000 | 75,057,000 | 79,010,000 |
| Allowance for loan losses | 495,000 | 533,000 | 551,000 | 575,000 |
| Securities available for sale | 9,715,000 | 9,373,000 | 8,709,000 | 9,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,367,000 | 56,817,000 | 58,441,000 | 54,438,000 |
| Interest-bearing deposits | 50,539,000 | 49,817,000 | 51,229,000 | 47,288,000 |
| Noninterest-bearing deposits | 5,828,000 | 7,000,000 | 7,212,000 | 7,150,000 |
| Equity capital | 5,922,000 | 5,790,000 | 5,446,000 | 5,814,000 |
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 | 742,000 | 1,645,000 | 2,642,000 | 3,720,000 |
| Interest expense | 314,000 | 755,000 | 1,348,000 | 2,051,000 |
| Net interest income | 428,000 | 890,000 | 1,294,000 | 1,669,000 |
| Noninterest income | 170,000 | 322,000 | 573,000 | 648,000 |
| Noninterest expense | 587,000 | 1,182,000 | 1,777,000 | 2,416,000 |
| Provision for loan losses | 53,000 | 90,000 | 108,000 | 132,000 |
| Pretax income | -58,000 | -73,000 | -39,000 | -252,000 |
| Income tax | -39,000 | -44,000 | -39,000 | -86,000 |
| Net income | -19,000 | -29,000 | 0 | -166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,360,000 | 7,352,000 | 7,382,000 | 7,220,000 |
| Total capital | 7,868,000 | 7,895,000 | 7,951,000 | 7,813,000 |
| Risk-weighted assets | 48,114,000 | 57,583,000 | 60,159,000 | 63,535,000 |