Call reports 2023
BANK OF EDMONSON COUNTY — 2023
What BANK OF EDMONSON COUNTY 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 | 270,587,000 | 272,730,000 | 273,137,000 | 271,220,000 |
| Total loans | 182,191,000 | 182,900,000 | 183,441,000 | 186,923,000 |
| Allowance for loan losses | 1,680,000 | 1,738,000 | 1,759,000 | 1,790,000 |
| Securities available for sale | 64,397,000 | 64,082,000 | 62,511,000 | 65,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,025,000 | 239,729,000 | 241,328,000 | 237,549,000 |
| Interest-bearing deposits | 172,313,000 | 172,607,000 | 173,253,000 | 173,631,000 |
| Noninterest-bearing deposits | 65,712,000 | 67,122,000 | 68,075,000 | 63,918,000 |
| Equity capital | 17,563,000 | 17,664,000 | 16,496,000 | 19,387,000 |
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 | 2,985,000 | 6,123,000 | 9,554,000 | 13,079,000 |
| Interest expense | 746,000 | 1,687,000 | 2,777,000 | 3,928,000 |
| Net interest income | 2,239,000 | 4,436,000 | 6,777,000 | 9,151,000 |
| Noninterest income | 261,000 | 536,000 | 808,000 | 1,091,000 |
| Noninterest expense | 1,463,000 | 2,864,000 | 4,380,000 | 5,846,000 |
| Provision for loan losses | 0 | 55,000 | 70,000 | 100,000 |
| Pretax income | 643,000 | 1,659,000 | 2,741,000 | 3,902,000 |
| Income tax | 0 | 30,000 | 75,000 | 165,000 |
| Net income | 643,000 | 1,629,000 | 2,666,000 | 3,737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,890,000 | 28,276,000 | 28,593,000 | 28,464,000 |
| Total capital | 29,570,000 | 30,014,000 | 30,352,000 | 30,254,000 |
| Risk-weighted assets | 187,140,000 | 186,706,000 | 186,708,000 | 186,042,000 |