Call reports 2015
FIRST STATE BANK OF OLMSTED — 2015
What FIRST STATE BANK OF OLMSTED 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 | 46,190,000 | 46,413,000 | 47,791,000 | 47,358,000 |
| Total loans | 27,764,000 | 29,094,000 | 30,344,000 | 29,538,000 |
| Allowance for loan losses | 281,000 | 292,000 | 302,000 | 312,000 |
| Securities available for sale | 12,865,000 | 12,826,000 | 12,499,000 | 10,653,000 |
| Securities held to maturity | 1,114,000 | 1,114,000 | 1,112,000 | 2,241,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,937,000 | 41,145,000 | 42,285,000 | 41,779,000 |
| Interest-bearing deposits | 34,865,000 | 34,651,000 | 36,220,000 | 35,312,000 |
| Noninterest-bearing deposits | 6,072,000 | 6,494,000 | 6,065,000 | 6,467,000 |
| Equity capital | 5,015,000 | 5,039,000 | 5,196,000 | 5,232,000 |
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 | 451,000 | 913,000 | 1,390,000 | 1,858,000 |
| Interest expense | 50,000 | 100,000 | 153,000 | 209,000 |
| Net interest income | 401,000 | 813,000 | 1,237,000 | 1,649,000 |
| Noninterest income | 61,000 | 109,000 | 162,000 | 212,000 |
| Noninterest expense | 296,000 | 587,000 | 888,000 | 1,213,000 |
| Provision for loan losses | 11,000 | 22,000 | 32,000 | 42,000 |
| Pretax income | 155,000 | 307,000 | 473,000 | 600,000 |
| Income tax | 28,000 | 71,000 | 121,000 | 149,000 |
| Net income | 127,000 | 236,000 | 352,000 | 451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,860,000 | 5,026,000 | 5,114,000 | 5,130,000 |
| Total capital | 5,141,000 | 5,318,000 | 5,416,000 | 5,442,000 |
| Risk-weighted assets | 25,829,000 | 26,396,000 | 27,687,000 | 27,542,000 |