Call reports 2023
LOCUS BANK, INC. — 2023
What LOCUS BANK, INC. 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 | 269,480,000 | 279,366,000 | 294,794,000 | 313,151,000 |
| Total loans | 216,652,000 | 226,301,000 | 241,170,000 | 257,621,000 |
| Allowance for loan losses | 1,761,000 | 2,050,000 | 2,091,000 | 1,926,000 |
| Securities available for sale | 29,109,000 | 28,388,000 | 31,241,000 | 31,486,000 |
| Securities held to maturity | 6,242,000 | 4,263,000 | 4,294,000 | 4,541,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,875,000 | 182,351,000 | 184,105,000 | 211,100,000 |
| Interest-bearing deposits | 163,942,000 | 168,650,000 | 152,603,000 | 182,179,000 |
| Noninterest-bearing deposits | 14,933,000 | 13,701,000 | 31,502,000 | 28,921,000 |
| Equity capital | 65,325,000 | 65,145,000 | 65,694,000 | 66,507,000 |
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 | 2,905,000 | 6,106,000 | 9,645,000 | 13,436,000 |
| Interest expense | 871,000 | 2,048,000 | 3,288,000 | 4,835,000 |
| Net interest income | 2,034,000 | 4,058,000 | 6,357,000 | 8,601,000 |
| Noninterest income | 77,000 | 196,000 | 606,000 | 716,000 |
| Noninterest expense | 1,790,000 | 3,541,000 | 5,161,000 | 6,921,000 |
| Provision for loan losses | 223,000 | 542,000 | 583,000 | 418,000 |
| Pretax income | 112,000 | 168,000 | 1,210,000 | 1,966,000 |
| Income tax | 14,000 | 16,000 | 207,000 | 319,000 |
| Net income | 98,000 | 152,000 | 1,003,000 | 1,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,201,000 | 67,256,000 | 68,107,000 | 68,326,000 |
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