Call reports 2023
FIRST NATIONAL BANK OF ELMER — 2023
What FIRST NATIONAL BANK OF ELMER 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 | 371,079,000 | 361,077,000 | 353,665,000 | 364,578,000 |
| Total loans | 287,296,000 | 287,074,000 | 286,457,000 | 289,739,000 |
| Allowance for loan losses | 4,037,000 | 4,014,000 | 4,091,000 | 4,083,000 |
| Securities available for sale | 24,639,000 | 23,963,000 | 23,323,000 | 23,518,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 338,049,000 | 328,337,000 | 320,104,000 | 330,130,000 |
| Interest-bearing deposits | 313,514,000 | 306,159,000 | 298,877,000 | 307,566,000 |
| Noninterest-bearing deposits | 24,535,000 | 22,178,000 | 21,227,000 | 22,564,000 |
| Equity capital | 30,711,000 | 31,069,000 | 31,587,000 | 32,656,000 |
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 | 3,947,000 | 8,093,000 | 12,154,000 | 16,389,000 |
| Interest expense | 241,000 | 561,000 | 934,000 | 1,393,000 |
| Net interest income | 3,706,000 | 7,532,000 | 11,220,000 | 14,996,000 |
| Noninterest income | 243,000 | 501,000 | 764,000 | 1,025,000 |
| Noninterest expense | 2,796,000 | 5,542,000 | 8,310,000 | 11,444,000 |
| Provision for loan losses | -41,000 | -64,000 | 13,000 | 5,000 |
| Pretax income | 1,194,000 | 2,555,000 | 3,661,000 | 4,572,000 |
| Income tax | 342,000 | 734,000 | 1,054,000 | 1,314,000 |
| Net income | 852,000 | 1,821,000 | 2,607,000 | 3,258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,781,000 | 33,491,000 | 34,279,000 | 34,503,000 |
| Total capital | 36,037,000 | 36,745,000 | 37,519,000 | 37,768,000 |
| Risk-weighted assets | 259,637,000 | 259,510,000 | 258,259,000 | 260,345,000 |