Call reports 2023
SAVINGS BANK, THE — 2023
What SAVINGS BANK, THE 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 | 752,127,000 | 752,960,000 | 768,661,000 | 784,264,000 |
| Total loans | 525,360,000 | 539,402,000 | 554,879,000 | 573,703,000 |
| Allowance for loan losses | 5,346,000 | 5,387,000 | 5,352,000 | 5,629,000 |
| Securities available for sale | 128,351,000 | 133,694,000 | 130,451,000 | 142,751,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 672,623,000 | 674,685,000 | 693,039,000 | 700,954,000 |
| Interest-bearing deposits | 515,452,000 | 516,959,000 | 536,948,000 | 547,275,000 |
| Noninterest-bearing deposits | 157,171,000 | 157,726,000 | 156,091,000 | 153,679,000 |
| Equity capital | 75,002,000 | 73,854,000 | 71,099,000 | 75,838,000 |
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 | 6,413,000 | 13,418,000 | 20,804,000 | 28,626,000 |
| Interest expense | 1,501,000 | 3,893,000 | 6,805,000 | 10,277,000 |
| Net interest income | 4,912,000 | 9,525,000 | 13,999,000 | 18,349,000 |
| Noninterest income | 1,259,000 | 2,492,000 | 3,861,000 | 5,116,000 |
| Noninterest expense | 5,123,000 | 10,553,000 | 15,942,000 | 21,486,000 |
| Provision for loan losses | 51,000 | 93,000 | 60,000 | 353,000 |
| Pretax income | 722,000 | 824,000 | 179,000 | 789,000 |
| Income tax | 192,000 | 178,000 | -7,000 | 91,000 |
| Net income | 530,000 | 646,000 | 186,000 | 698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,557,000 | 79,164,000 | 77,461,000 | 79,556,000 |