Call reports 2024
FIRST STATE BANK OF RANDOLPH COUNTY — 2024
What FIRST STATE BANK OF RANDOLPH COUNTY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 88,911,000 | 87,933,000 | 87,073,000 | 88,991,000 |
| Total loans | 32,362,000 | 32,805,000 | 32,346,000 | 30,550,000 |
| Allowance for loan losses | 336,000 | 322,000 | 320,000 | 312,000 |
| Securities available for sale | 43,359,000 | 43,082,000 | 42,577,000 | 40,325,000 |
| Securities held to maturity | 411,000 | 408,000 | 406,000 | 402,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,569,000 | 88,120,000 | 85,391,000 | 88,981,000 |
| Interest-bearing deposits | 56,478,000 | 57,175,000 | 55,831,000 | 56,105,000 |
| Noninterest-bearing deposits | 33,091,000 | 30,945,000 | 29,560,000 | 32,876,000 |
| Equity capital | -1,104,000 | -599,000 | 1,179,000 | -460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 936,000 | 1,839,000 | 2,786,000 | 3,732,000 |
| Interest expense | 354,000 | 733,000 | 1,123,000 | 1,511,000 |
| Net interest income | 582,000 | 1,106,000 | 1,663,000 | 2,221,000 |
| Noninterest income | 61,000 | 114,000 | 166,000 | 216,000 |
| Noninterest expense | 593,000 | 1,180,000 | 1,754,000 | 2,388,000 |
| Provision for loan losses | 8,000 | 10,000 | 14,000 | 16,000 |
| Pretax income | 42,000 | 30,000 | 31,000 | 2,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 42,000 | 30,000 | 31,000 | 2,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,140,000 | 8,130,000 | 8,130,000 | 8,101,000 |
| Total capital | 8,476,000 | 8,451,000 | 8,451,000 | 8,413,000 |
| Risk-weighted assets | 52,916,000 | 53,945,000 | 52,772,000 | 52,298,000 |
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