Call reports 2024
STATE BANK OF HERSCHER — 2024
What STATE BANK OF HERSCHER 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 | 158,021,000 | 157,620,000 | 160,369,000 | 159,232,000 |
| Total loans | 67,646,000 | 74,299,000 | 71,778,000 | 73,506,000 |
| Allowance for loan losses | 1,161,000 | 1,248,000 | 1,207,000 | 1,094,000 |
| Securities available for sale | 70,680,000 | 69,511,000 | 70,688,000 | 69,573,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,875,000 | 138,982,000 | 142,840,000 | 140,448,000 |
| Interest-bearing deposits | 103,097,000 | 102,182,000 | 106,599,000 | 106,160,000 |
| Noninterest-bearing deposits | 39,778,000 | 36,800,000 | 36,241,000 | 34,288,000 |
| Equity capital | 14,206,000 | 14,704,000 | 16,597,000 | 15,191,000 |
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 | 1,557,000 | 3,117,000 | 4,722,000 | 6,290,000 |
| Interest expense | 354,000 | 742,000 | 1,173,000 | 1,601,000 |
| Net interest income | 1,203,000 | 2,375,000 | 3,549,000 | 4,689,000 |
| Noninterest income | 129,000 | 261,000 | 382,000 | 504,000 |
| Noninterest expense | 887,000 | 1,766,000 | 2,633,000 | 3,508,000 |
| Provision for loan losses | 1,000 | 101,000 | 107,000 | -2,000 |
| Pretax income | 437,000 | 757,000 | 1,170,000 | 1,542,000 |
| Income tax | 95,000 | 154,000 | 240,000 | 315,000 |
| Net income | 342,000 | 603,000 | 930,000 | 1,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,321,000 | 21,432,000 | 21,588,000 | 21,715,000 |