Call reports 2023
BATH STATE BANK — 2023
What BATH 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 | 282,313,000 | 284,898,000 | 291,237,000 | 316,917,000 |
| Total loans | 198,755,000 | 204,265,000 | 214,917,000 | 236,387,000 |
| Allowance for loan losses | 2,388,000 | 2,415,000 | 2,431,000 | 2,427,000 |
| Securities available for sale | 67,646,000 | 65,729,000 | 61,825,000 | 64,986,000 |
| Securities held to maturity | 14,000 | 13,000 | 12,000 | 11,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,175,000 | 258,692,000 | 265,504,000 | 273,284,000 |
| Interest-bearing deposits | 212,870,000 | 219,691,000 | 227,809,000 | 234,364,000 |
| Noninterest-bearing deposits | 38,305,000 | 39,001,000 | 37,695,000 | 38,920,000 |
| Equity capital | 10,675,000 | 9,554,000 | 6,475,000 | 11,359,000 |
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 | 2,867,000 | 6,036,000 | 9,387,000 | 13,037,000 |
| Interest expense | 1,277,000 | 2,856,000 | 4,609,000 | 6,654,000 |
| Net interest income | 1,590,000 | 3,180,000 | 4,778,000 | 6,383,000 |
| Noninterest income | 256,000 | 544,000 | 832,000 | 1,097,000 |
| Noninterest expense | 1,548,000 | 2,970,000 | 4,467,000 | 5,957,000 |
| Provision for loan losses | 30,000 | 60,000 | 80,000 | 80,000 |
| Pretax income | 268,000 | 694,000 | 1,063,000 | 1,443,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 268,000 | 694,000 | 1,063,000 | 1,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,962,000 | 23,107,000 | 23,166,000 | 24,157,000 |
| Total capital | 25,350,000 | 25,522,000 | 25,597,000 | 26,584,000 |
| Risk-weighted assets | 207,918,000 | 217,040,000 | 224,086,000 | 228,783,000 |