Call reports 2023
CURRENCY BANK — 2023
What CURRENCY 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 | 147,915,000 | 154,574,000 | 175,501,000 | 185,710,000 |
| Total loans | 92,227,000 | 110,440,000 | 120,546,000 | 124,222,000 |
| Allowance for loan losses | 1,133,000 | 1,338,000 | 1,510,000 | 1,742,000 |
| Securities available for sale | 13,568,000 | 10,378,000 | 15,091,000 | 13,270,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,522,000 | 122,782,000 | 143,267,000 | 152,655,000 |
| Interest-bearing deposits | 88,730,000 | 96,704,000 | 112,869,000 | 118,618,000 |
| Noninterest-bearing deposits | 27,792,000 | 26,078,000 | 30,398,000 | 34,037,000 |
| Equity capital | 30,627,000 | 30,926,000 | 31,253,000 | 31,904,000 |
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 | 1,665,000 | 3,657,000 | 5,923,000 | 8,428,000 |
| Interest expense | 352,000 | 913,000 | 1,677,000 | 2,532,000 |
| Net interest income | 1,313,000 | 2,744,000 | 4,246,000 | 5,896,000 |
| Noninterest income | 97,000 | 241,000 | 328,000 | 470,000 |
| Noninterest expense | 892,000 | 1,818,000 | 2,789,000 | 3,692,000 |
| Provision for loan losses | 150,000 | 355,000 | 527,000 | 759,000 |
| Pretax income | 368,000 | 812,000 | 1,258,000 | 1,857,000 |
| Income tax | 77,000 | 171,000 | 258,000 | 370,000 |
| Net income | 291,000 | 641,000 | 1,000,000 | 1,487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,774,000 | 27,166,000 | 27,567,000 | 28,096,000 |
| Total capital | 27,907,000 | 28,504,000 | 29,077,000 | 29,697,000 |
| Risk-weighted assets | 99,278,000 | 115,406,000 | 124,774,000 | 127,883,000 |