Call reports 2023
STONE BANK — 2023
What STONE 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 | 674,365,000 | 740,930,000 | 738,790,000 | 747,843,000 |
| Total loans | 528,238,000 | 579,496,000 | 584,386,000 | 582,552,000 |
| Allowance for loan losses | 10,031,000 | 10,003,000 | 9,976,000 | 9,538,000 |
| Securities available for sale | 79,636,000 | 76,682,000 | 77,321,000 | 82,407,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 129,000 | 660,000 | 982,000 | 307,000 |
| Total deposits | 555,714,000 | 582,285,000 | 587,954,000 | 583,335,000 |
| Interest-bearing deposits | 511,107,000 | 543,699,000 | 553,810,000 | 547,760,000 |
| Noninterest-bearing deposits | 44,607,000 | 38,586,000 | 34,144,000 | 35,575,000 |
| Equity capital | 59,980,000 | 58,047,000 | 56,037,000 | 60,140,000 |
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 | 8,113,000 | 17,006,000 | 26,900,000 | 36,757,000 |
| Interest expense | 2,787,000 | 6,576,000 | 11,777,000 | 17,418,000 |
| Net interest income | 5,326,000 | 10,430,000 | 15,123,000 | 19,339,000 |
| Noninterest income | 2,624,000 | 4,538,000 | 6,545,000 | 8,401,000 |
| Noninterest expense | 4,571,000 | 8,865,000 | 13,489,000 | 18,580,000 |
| Provision for loan losses | 225,000 | 375,000 | 600,000 | 650,000 |
| Pretax income | 3,154,000 | 5,728,000 | 7,579,000 | 8,510,000 |
| Income tax | 743,000 | 1,337,000 | 1,745,000 | 1,832,000 |
| Net income | 2,411,000 | 4,391,000 | 5,834,000 | 6,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,585,000 | 64,353,000 | 65,005,000 | 65,618,000 |
| Total capital | 72,543,000 | 71,887,000 | 72,523,000 | 73,145,000 |
| Risk-weighted assets | 553,591,000 | 600,323,000 | 598,992,000 | 600,165,000 |