Call reports 2023
STATE BANK OF HERSCHER — 2023
What STATE BANK OF HERSCHER 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 | 165,097,000 | 159,168,000 | 165,724,000 | 170,427,000 |
| Total loans | 64,080,000 | 65,536,000 | 65,985,000 | 71,164,000 |
| Allowance for loan losses | 1,066,000 | 1,065,000 | 1,133,000 | 1,160,000 |
| Securities available for sale | 72,027,000 | 70,754,000 | 67,686,000 | 69,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,900,000 | 144,887,000 | 152,268,000 | 154,775,000 |
| Interest-bearing deposits | 106,610,000 | 101,961,000 | 109,912,000 | 111,043,000 |
| Noninterest-bearing deposits | 44,290,000 | 42,926,000 | 42,356,000 | 43,732,000 |
| Equity capital | 13,267,000 | 13,335,000 | 12,444,000 | 14,627,000 |
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 | 1,342,000 | 2,787,000 | 4,298,000 | 5,935,000 |
| Interest expense | 168,000 | 402,000 | 673,000 | 1,006,000 |
| Net interest income | 1,174,000 | 2,385,000 | 3,625,000 | 4,929,000 |
| Noninterest income | 129,000 | 254,000 | 369,000 | 527,000 |
| Noninterest expense | 865,000 | 1,735,000 | 2,594,000 | 3,461,000 |
| Provision for loan losses | -95,000 | -96,000 | -28,000 | -1,000 |
| Pretax income | 446,000 | 912,000 | 1,408,000 | 2,003,000 |
| Income tax | 98,000 | 200,000 | 314,000 | 455,000 |
| Net income | 348,000 | 712,000 | 1,094,000 | 1,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,479,000 | 20,762,000 | 21,045,000 | 21,149,000 |