Call reports 2024
ROOT RIVER STATE BANK — 2024
What ROOT RIVER 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 | 84,446,000 | 82,920,000 | 80,723,000 | 81,818,000 |
| Total loans | 30,444,000 | 32,178,000 | 30,978,000 | 30,771,000 |
| Allowance for loan losses | 249,000 | 249,000 | 249,000 | 249,000 |
| Securities available for sale | 40,701,000 | 39,535,000 | 38,608,000 | 37,832,000 |
| Securities held to maturity | 1,343,000 | 1,281,000 | 1,233,000 | 1,168,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,548,000 | 77,934,000 | 74,738,000 | 76,724,000 |
| Interest-bearing deposits | 72,626,000 | 70,723,000 | 67,638,000 | 69,185,000 |
| Noninterest-bearing deposits | 6,922,000 | 7,211,000 | 7,100,000 | 7,539,000 |
| Equity capital | 4,681,000 | 4,835,000 | 5,765,000 | 4,914,000 |
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 | 719,000 | 1,448,000 | 2,172,000 | 2,899,000 |
| Interest expense | 319,000 | 635,000 | 951,000 | 1,275,000 |
| Net interest income | 400,000 | 813,000 | 1,221,000 | 1,624,000 |
| Noninterest income | 34,000 | 71,000 | 107,000 | 143,000 |
| Noninterest expense | 461,000 | 907,000 | 1,367,000 | 1,820,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -27,000 | -23,000 | -39,000 | -53,000 |
| Income tax | -29,000 | -69,000 | -69,000 | -68,000 |
| Net income | 2,000 | 46,000 | 30,000 | 15,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,689,000 | 8,733,000 | 8,717,000 | 8,702,000 |
| Total capital | 8,945,000 | 8,989,000 | 8,973,000 | 8,958,000 |
| Risk-weighted assets | 43,014,000 | 45,001,000 | 45,504,000 | 44,435,000 |