Call reports 2024
DAIRY STATE BANK — 2024
What DAIRY 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 | 750,306,000 | 740,569,000 | 760,413,000 | 746,185,000 |
| Total loans | 332,141,000 | 339,252,000 | 348,996,000 | 351,763,000 |
| Allowance for loan losses | 6,295,000 | 6,790,000 | 7,157,000 | 7,729,000 |
| Securities available for sale | 321,419,000 | 313,221,000 | 313,617,000 | 304,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 631,875,000 | 624,851,000 | 641,896,000 | 639,672,000 |
| Interest-bearing deposits | 535,758,000 | 526,441,000 | 537,448,000 | 528,449,000 |
| Noninterest-bearing deposits | 96,117,000 | 98,410,000 | 104,448,000 | 111,223,000 |
| Equity capital | 61,091,000 | 62,249,000 | 68,982,000 | 66,588,000 |
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 | 7,857,000 | 15,829,000 | 24,165,000 | 32,500,000 |
| Interest expense | 3,826,000 | 7,791,000 | 12,015,000 | 16,249,000 |
| Net interest income | 4,031,000 | 8,038,000 | 12,150,000 | 16,251,000 |
| Noninterest income | 376,000 | 765,000 | 1,198,000 | 1,660,000 |
| Noninterest expense | 3,189,000 | 6,230,000 | 9,267,000 | 12,185,000 |
| Provision for loan losses | 150,000 | 631,000 | 1,017,000 | 1,613,000 |
| Pretax income | 1,068,000 | 2,123,000 | 3,331,000 | 4,745,000 |
| Income tax | 147,000 | 311,000 | 520,000 | 695,000 |
| Net income | 921,000 | 1,812,000 | 2,811,000 | 4,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,453,000 | 78,045,000 | 78,843,000 | 79,818,000 |
| Total capital | 82,371,000 | 83,082,000 | 83,975,000 | 84,899,000 |
| Risk-weighted assets | 391,218,000 | 400,572,000 | 407,951,000 | 403,554,000 |