Call reports 2009
DAIRY STATE BANK — 2009
What DAIRY STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 407,340,000 | 417,483,000 | 439,407,000 | 443,910,000 |
| Total loans | 243,542,000 | 240,545,000 | 234,163,000 | 231,483,000 |
| Allowance for loan losses | 3,848,000 | 3,473,000 | 3,715,000 | 3,657,000 |
| Securities available for sale | 132,731,000 | 155,078,000 | 181,840,000 | 184,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 312,345,000 | 313,815,000 | 325,006,000 | 340,808,000 |
| Interest-bearing deposits | 282,551,000 | 282,473,000 | 290,647,000 | 293,116,000 |
| Noninterest-bearing deposits | 29,794,000 | 31,342,000 | 34,359,000 | 47,692,000 |
| Equity capital | 38,639,000 | 39,265,000 | 41,284,000 | 41,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,035,000 | 10,114,000 | 15,251,000 | 20,331,000 |
| Interest expense | 1,932,000 | 3,732,000 | 5,442,000 | 7,037,000 |
| Net interest income | 3,103,000 | 6,382,000 | 9,809,000 | 13,294,000 |
| Noninterest income | 457,000 | 884,000 | 1,313,000 | 1,565,000 |
| Noninterest expense | 2,030,000 | 4,210,000 | 6,375,000 | 8,308,000 |
| Provision for loan losses | 270,000 | 900,000 | 1,656,000 | 2,616,000 |
| Pretax income | 1,260,000 | 2,156,000 | 3,091,000 | 3,957,000 |
| Income tax | 445,000 | 733,000 | 1,034,000 | 1,381,000 |
| Net income | 815,000 | 1,423,000 | 2,057,000 | 2,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,891,000 | 37,499,000 | 38,133,000 | 38,652,000 |
| Total capital | 40,001,000 | 40,607,000 | 41,206,000 | 41,727,000 |
| Risk-weighted assets | 248,057,000 | 248,283,000 | 245,234,000 | 245,486,000 |
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