Call reports 2008
DAIRY STATE BANK — 2008
What DAIRY STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 377,402,000 | 381,963,000 | 394,030,000 | 396,956,000 |
| Total loans | 233,561,000 | 237,317,000 | 240,055,000 | 246,893,000 |
| Allowance for loan losses | 2,743,000 | 2,840,000 | 2,902,000 | 3,584,000 |
| Securities available for sale | 124,096,000 | 127,821,000 | 128,950,000 | 128,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,265,000 | 300,100,000 | 301,167,000 | 302,555,000 |
| Interest-bearing deposits | 268,580,000 | 265,010,000 | 264,493,000 | 267,280,000 |
| Noninterest-bearing deposits | 33,685,000 | 35,090,000 | 36,674,000 | 35,275,000 |
| Equity capital | 36,515,000 | 35,709,000 | 36,845,000 | 37,328,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,643,000 | 10,190,000 | 15,731,000 | 21,156,000 |
| Interest expense | 2,139,000 | 4,462,000 | 6,740,000 | 8,847,000 |
| Net interest income | 2,504,000 | 5,728,000 | 8,991,000 | 12,309,000 |
| Noninterest income | 271,000 | 639,000 | 957,000 | 1,272,000 |
| Noninterest expense | 1,536,000 | 3,690,000 | 5,708,000 | 7,467,000 |
| Provision for loan losses | 35,000 | 96,000 | 158,000 | 918,000 |
| Pretax income | 1,212,000 | 2,590,000 | 4,103,000 | 5,217,000 |
| Income tax | 413,000 | 888,000 | 1,427,000 | 1,940,000 |
| Net income | 799,000 | 1,702,000 | 2,676,000 | 3,277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,761,000 | 35,664,000 | 36,638,000 | 36,076,000 |
| Total capital | 37,504,000 | 38,504,000 | 39,540,000 | 39,210,000 |
| Risk-weighted assets | 236,332,000 | 241,228,000 | 245,304,000 | 250,280,000 |
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