Call reports 2024
CARMINE STATE BANK — 2024
What CARMINE STATE BANK 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 | 123,838,000 | 124,030,000 | 126,963,000 | 125,612,000 |
| Total loans | 30,973,000 | 31,605,000 | 33,092,000 | 36,946,000 |
| Allowance for loan losses | 177,000 | 178,000 | 174,000 | 191,000 |
| Securities available for sale | 39,553,000 | 39,243,000 | 40,123,000 | 39,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,925,000 | 116,966,000 | 118,973,000 | 119,220,000 |
| Interest-bearing deposits | 87,137,000 | 87,308,000 | 88,505,000 | 90,431,000 |
| Noninterest-bearing deposits | 29,788,000 | 29,658,000 | 30,468,000 | 28,789,000 |
| Equity capital | 6,651,000 | 6,733,000 | 7,676,000 | 6,234,000 |
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 | 1,358,000 | 2,782,000 | 4,244,000 | 5,738,000 |
| Interest expense | 705,000 | 1,456,000 | 2,237,000 | 3,007,000 |
| Net interest income | 653,000 | 1,326,000 | 2,007,000 | 2,731,000 |
| Noninterest income | 48,000 | 90,000 | 131,000 | 177,000 |
| Noninterest expense | 448,000 | 927,000 | 1,395,000 | 1,933,000 |
| Provision for loan losses | 0 | 0 | 2,000 | 17,000 |
| Pretax income | 228,000 | 464,000 | 716,000 | 933,000 |
| Income tax | -19,000 | -24,000 | -31,000 | 6,000 |
| Net income | 247,000 | 488,000 | 747,000 | 927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,677,000 | 13,811,000 | 14,066,000 | 14,050,000 |