Call reports 2007
DAIRY STATE BANK — 2007
What DAIRY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 252,630,000 | 254,158,000 | 255,737,000 | 264,820,000 |
| Total loans | 140,367,000 | 142,791,000 | 146,899,000 | 154,686,000 |
| Allowance for loan losses | 1,815,000 | 1,843,000 | 1,867,000 | 1,875,000 |
| Securities available for sale | 100,178,000 | 96,729,000 | 100,147,000 | 92,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,793,000 | 203,352,000 | 203,117,000 | 210,167,000 |
| Interest-bearing deposits | 175,876,000 | 174,325,000 | 175,470,000 | 187,308,000 |
| Noninterest-bearing deposits | 26,917,000 | 29,027,000 | 27,647,000 | 22,859,000 |
| Equity capital | 22,156,000 | 22,441,000 | 23,719,000 | 23,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,642,000 | 7,377,000 | 11,236,000 | 15,236,000 |
| Interest expense | 1,952,000 | 3,908,000 | 5,933,000 | 8,035,000 |
| Net interest income | 1,690,000 | 3,469,000 | 5,303,000 | 7,201,000 |
| Noninterest income | 278,000 | 505,000 | 763,000 | 989,000 |
| Noninterest expense | 1,134,000 | 2,268,000 | 3,438,000 | 4,568,000 |
| Provision for loan losses | 33,000 | 66,000 | 99,000 | 133,000 |
| Pretax income | 801,000 | 1,640,000 | 2,530,000 | 3,490,000 |
| Income tax | 245,000 | 515,000 | 785,000 | 1,097,000 |
| Net income | 556,000 | 1,125,000 | 1,745,000 | 2,393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,654,000 | 23,223,000 | 23,843,000 | 22,655,000 |
| Total capital | 24,469,000 | 25,066,000 | 25,710,000 | 24,530,000 |
| Risk-weighted assets | 148,284,000 | 150,413,000 | 153,497,000 | 160,125,000 |
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