Call reports 2023
PHELPS COUNTY BANK — 2023
What PHELPS COUNTY 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 | 492,588,000 | 477,130,000 | 476,390,000 | 484,081,000 |
| Total loans | 299,734,000 | 315,977,000 | 335,198,000 | 350,457,000 |
| Allowance for loan losses | 3,337,000 | 3,410,000 | 3,444,000 | 3,740,000 |
| Securities available for sale | 108,177,000 | 104,360,000 | 98,819,000 | 99,249,000 |
| Securities held to maturity | 13,985,000 | 13,986,000 | 13,987,000 | 13,988,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 441,720,000 | 430,122,000 | 418,719,000 | 428,597,000 |
| Interest-bearing deposits | 342,800,000 | 329,092,000 | 316,244,000 | 335,631,000 |
| Noninterest-bearing deposits | 98,920,000 | 101,030,000 | 102,475,000 | 92,966,000 |
| Equity capital | 29,155,000 | 27,787,000 | 27,684,000 | 32,541,000 |
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 | 4,911,000 | 9,957,000 | 15,072,000 | 20,286,000 |
| Interest expense | 391,000 | 805,000 | 1,322,000 | 1,945,000 |
| Net interest income | 4,520,000 | 9,152,000 | 13,750,000 | 18,341,000 |
| Noninterest income | 1,083,000 | 2,197,000 | 3,419,000 | 4,542,000 |
| Noninterest expense | 3,427,000 | 6,787,000 | 10,399,000 | 14,385,000 |
| Provision for loan losses | 80,000 | 168,000 | 215,000 | 513,000 |
| Pretax income | 2,096,000 | 4,382,000 | 6,590,000 | 8,018,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,096,000 | 4,382,000 | 6,590,000 | 8,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,407,000 | 39,693,000 | 41,901,000 | 43,499,000 |
| Total capital | 43,733,000 | 43,180,000 | 45,502,000 | 47,398,000 |
| Risk-weighted assets | 265,928,000 | 278,897,000 | 292,201,000 | 325,339,000 |