Call reports 2023
BANK OF ERATH — 2023
What BANK OF ERATH 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 | 115,762,000 | 113,719,000 | 111,902,000 | 114,571,000 |
| Total loans | 63,994,000 | 66,352,000 | 63,910,000 | 60,110,000 |
| Allowance for loan losses | 811,000 | 847,000 | 851,000 | 850,000 |
| Securities available for sale | 34,991,000 | 33,452,000 | 32,527,000 | 32,583,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,103,000 | 97,188,000 | 96,209,000 | 98,099,000 |
| Interest-bearing deposits | 60,012,000 | 58,289,000 | 58,109,000 | 59,036,000 |
| Noninterest-bearing deposits | 43,091,000 | 38,899,000 | 38,100,000 | 39,063,000 |
| Equity capital | 11,710,000 | 11,766,000 | 11,554,000 | 12,413,000 |
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 | 1,221,000 | 2,476,000 | 3,771,000 | 5,093,000 |
| Interest expense | 81,000 | 218,000 | 430,000 | 724,000 |
| Net interest income | 1,140,000 | 2,258,000 | 3,341,000 | 4,369,000 |
| Noninterest income | 118,000 | 239,000 | 357,000 | 517,000 |
| Noninterest expense | 912,000 | 1,851,000 | 2,778,000 | 3,707,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 346,000 | 646,000 | 920,000 | 1,179,000 |
| Income tax | 69,000 | 132,000 | 188,000 | 206,000 |
| Net income | 277,000 | 514,000 | 732,000 | 973,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,323,000 | 14,525,000 | 14,744,000 | 14,672,000 |