Call reports 2022
STATE BANK OF HERSCHER — 2022
What STATE BANK OF HERSCHER reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 175,014,000 | 164,598,000 | 159,056,000 | 164,054,000 |
| Total loans | 66,514,000 | 73,752,000 | 71,596,000 | 72,190,000 |
| Allowance for loan losses | 1,931,000 | 1,905,000 | 1,642,000 | 1,696,000 |
| Securities available for sale | 81,938,000 | 77,887,000 | 75,043,000 | 74,343,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,102,000 | 149,824,000 | 142,353,000 | 150,147,000 |
| Interest-bearing deposits | 114,664,000 | 111,577,000 | 104,039,000 | 105,861,000 |
| Noninterest-bearing deposits | 43,437,000 | 38,247,000 | 38,315,000 | 44,285,000 |
| Equity capital | 16,047,000 | 12,678,000 | 12,061,000 | 12,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,061,000 | 2,188,000 | 3,440,000 | 4,762,000 |
| Interest expense | 57,000 | 111,000 | 166,000 | 284,000 |
| Net interest income | 1,004,000 | 2,077,000 | 3,274,000 | 4,478,000 |
| Noninterest income | 197,000 | 321,000 | 435,000 | 698,000 |
| Noninterest expense | 858,000 | 1,685,000 | 2,546,000 | 3,461,000 |
| Provision for loan losses | 0 | 0 | -262,000 | -192,000 |
| Pretax income | 353,000 | 724,000 | 1,436,000 | 1,918,000 |
| Income tax | 73,000 | 145,000 | 315,000 | 420,000 |
| Net income | 280,000 | 579,000 | 1,121,000 | 1,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,361,000 | 19,617,000 | 20,098,000 | 20,406,000 |