Call reports 2015
STATE BANK OF LAKOTA — 2015
What STATE BANK OF LAKOTA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 46,982,000 | 48,109,000 | 48,410,000 | 47,434,000 |
| Total loans | 26,943,000 | 31,280,000 | 32,916,000 | 31,942,000 |
| Allowance for loan losses | 192,000 | 194,000 | 211,000 | 217,000 |
| Securities available for sale | 7,616,000 | 6,433,000 | 5,584,000 | 4,911,000 |
| Securities held to maturity | 6,419,000 | 6,917,000 | 5,917,000 | 5,917,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,153,000 | 41,279,000 | 40,370,000 | 42,819,000 |
| Interest-bearing deposits | 33,596,000 | 31,931,000 | 30,624,000 | 30,670,000 |
| Noninterest-bearing deposits | 8,557,000 | 9,348,000 | 9,746,000 | 12,149,000 |
| Equity capital | 4,743,000 | 4,704,000 | 4,838,000 | 4,606,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 426,000 | 876,000 | 1,368,000 | 1,843,000 |
| Interest expense | 28,000 | 53,000 | 85,000 | 111,000 |
| Net interest income | 398,000 | 823,000 | 1,283,000 | 1,732,000 |
| Noninterest income | 20,000 | 45,000 | 74,000 | 100,000 |
| Noninterest expense | 216,000 | 527,000 | 799,000 | 1,180,000 |
| Provision for loan losses | 15,000 | 40,000 | 70,000 | 80,000 |
| Pretax income | 187,000 | 301,000 | 494,000 | 578,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 187,000 | 301,000 | 494,000 | 578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,691,000 | 4,705,000 | 4,798,000 | 4,608,000 |
| Total capital | 4,883,000 | 4,899,000 | 5,009,000 | 4,825,000 |
| Risk-weighted assets | 29,830,000 | 33,127,000 | 34,359,000 | 33,675,000 |