Call reports 2013
STATE BANK OF LAKOTA — 2013
What STATE BANK OF LAKOTA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 51,641,000 | 47,579,000 | 53,515,000 | 53,251,000 |
| Total loans | 21,050,000 | 22,896,000 | 25,229,000 | 24,539,000 |
| Allowance for loan losses | 124,000 | 144,000 | 151,000 | 137,000 |
| Securities available for sale | 8,165,000 | 8,376,000 | 9,242,000 | 8,442,000 |
| Securities held to maturity | 4,238,000 | 5,192,000 | 5,804,000 | 7,304,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,967,000 | 43,095,000 | 49,027,000 | 49,053,000 |
| Interest-bearing deposits | 36,892,000 | 34,204,000 | 36,331,000 | 35,314,000 |
| Noninterest-bearing deposits | 10,075,000 | 8,891,000 | 12,696,000 | 13,739,000 |
| Equity capital | 4,528,000 | 4,338,000 | 4,277,000 | 4,175,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 360,000 | 698,000 | 1,107,000 | 1,483,000 |
| Interest expense | 30,000 | 60,000 | 90,000 | 120,000 |
| Net interest income | 330,000 | 638,000 | 1,017,000 | 1,363,000 |
| Noninterest income | 12,000 | 47,000 | 59,000 | 91,000 |
| Noninterest expense | 225,000 | 483,000 | 774,000 | 1,075,000 |
| Provision for loan losses | 5,000 | 25,000 | 55,000 | 55,000 |
| Pretax income | 114,000 | 187,000 | 257,000 | 334,000 |
| Income tax | 5,000 | -25,000 | -25,000 | -25,000 |
| Net income | 109,000 | 212,000 | 282,000 | 359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,464,000 | 4,490,000 | 4,479,000 | 4,427,000 |
| Total capital | 4,588,000 | 4,634,000 | 4,630,000 | 4,564,000 |
| Risk-weighted assets | 25,704,000 | 26,743,000 | 29,926,000 | 29,160,000 |