Call reports 2023
BIPPUS STATE BANK, THE — 2023
What BIPPUS STATE BANK, THE 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 | 323,770,000 | 335,580,000 | 339,228,000 | 348,496,000 |
| Total loans | 255,375,000 | 268,163,000 | 272,980,000 | 279,891,000 |
| Allowance for loan losses | 2,607,000 | 2,725,000 | 2,965,000 | 3,134,000 |
| Securities available for sale | 44,957,000 | 43,790,000 | 41,458,000 | 43,423,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,613,000 | 267,351,000 | 284,535,000 | 296,271,000 |
| Interest-bearing deposits | 225,362,000 | 227,984,000 | 245,613,000 | 261,573,000 |
| Noninterest-bearing deposits | 41,251,000 | 39,367,000 | 38,922,000 | 34,698,000 |
| Equity capital | 33,843,000 | 34,764,000 | 34,216,000 | 37,015,000 |
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 | 3,889,000 | 8,167,000 | 12,694,000 | 17,437,000 |
| Interest expense | 793,000 | 1,980,000 | 3,322,000 | 4,763,000 |
| Net interest income | 3,096,000 | 6,187,000 | 9,372,000 | 12,674,000 |
| Noninterest income | 761,000 | 1,677,000 | 2,752,000 | 3,359,000 |
| Noninterest expense | 2,072,000 | 4,256,000 | 6,500,000 | 8,604,000 |
| Provision for loan losses | 20,000 | 151,000 | 395,000 | 818,000 |
| Pretax income | 1,777,000 | 3,492,000 | 5,291,000 | 6,674,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,777,000 | 3,492,000 | 5,291,000 | 6,674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,621,000 | 41,842,000 | 43,050,000 | 43,486,000 |
| Total capital | 43,428,000 | 44,749,000 | 46,171,000 | 46,807,000 |
| Risk-weighted assets | 261,686,000 | 273,018,000 | 301,864,000 | 283,329,000 |