Call reports 2006
DAIRY STATE BANK — 2006
What DAIRY STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 252,116,000 | 249,003,000 | 245,764,000 | 248,904,000 |
| Total loans | 133,040,000 | 137,452,000 | 135,395,000 | 140,014,000 |
| Allowance for loan losses | 1,681,000 | 1,726,000 | 1,758,000 | 1,781,000 |
| Securities available for sale | 106,153,000 | 103,643,000 | 101,560,000 | 100,733,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,984,000 | 204,445,000 | 198,212,000 | 197,783,000 |
| Interest-bearing deposits | 181,546,000 | 174,189,000 | 171,085,000 | 167,642,000 |
| Noninterest-bearing deposits | 27,438,000 | 30,256,000 | 27,127,000 | 30,141,000 |
| Equity capital | 20,813,000 | 21,108,000 | 22,499,000 | 21,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,307,000 | 6,724,000 | 10,223,000 | 13,785,000 |
| Interest expense | 1,604,000 | 3,278,000 | 5,070,000 | 6,923,000 |
| Net interest income | 1,703,000 | 3,446,000 | 5,153,000 | 6,862,000 |
| Noninterest income | 246,000 | 476,000 | 745,000 | 993,000 |
| Noninterest expense | 1,114,000 | 2,207,000 | 3,291,000 | 4,283,000 |
| Provision for loan losses | 32,000 | 65,000 | 98,000 | 131,000 |
| Pretax income | 803,000 | 1,650,000 | 2,490,000 | 3,422,000 |
| Income tax | 230,000 | 492,000 | 748,000 | 1,039,000 |
| Net income | 573,000 | 1,158,000 | 1,742,000 | 2,383,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,430,000 | 23,015,000 | 23,599,000 | 22,098,000 |
| Total capital | 24,111,000 | 24,741,000 | 25,357,000 | 23,879,000 |
| Risk-weighted assets | 143,843,000 | 144,928,000 | 143,152,000 | 147,245,000 |
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