Call reports 2010
DAIRY STATE BANK — 2010
What DAIRY STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 446,230,000 | 435,497,000 | 458,394,000 | 452,845,000 |
| Total loans | 234,170,000 | 237,441,000 | 232,112,000 | 231,065,000 |
| Allowance for loan losses | 4,034,000 | 4,791,000 | 5,254,000 | 5,141,000 |
| Securities available for sale | 185,052,000 | 180,396,000 | 201,319,000 | 207,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,725,000 | 324,534,000 | 332,487,000 | 349,063,000 |
| Interest-bearing deposits | 288,864,000 | 288,303,000 | 289,709,000 | 304,113,000 |
| Noninterest-bearing deposits | 34,861,000 | 36,231,000 | 42,778,000 | 44,950,000 |
| Equity capital | 42,009,000 | 42,938,000 | 44,530,000 | 43,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,030,000 | 10,006,000 | 14,622,000 | 19,444,000 |
| Interest expense | 1,456,000 | 2,850,000 | 4,203,000 | 5,486,000 |
| Net interest income | 3,574,000 | 7,156,000 | 10,419,000 | 13,958,000 |
| Noninterest income | 276,000 | 573,000 | 908,000 | 1,238,000 |
| Noninterest expense | 2,182,000 | 4,237,000 | 6,314,000 | 8,079,000 |
| Provision for loan losses | 450,000 | 1,183,000 | 1,843,000 | 2,678,000 |
| Pretax income | 1,218,000 | 2,397,000 | 3,258,000 | 4,527,000 |
| Income tax | 402,000 | 791,000 | 901,000 | 1,318,000 |
| Net income | 816,000 | 1,606,000 | 2,357,000 | 3,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,468,000 | 40,258,000 | 41,009,000 | 41,555,000 |
| Total capital | 42,582,000 | 43,379,000 | 44,148,000 | 44,711,000 |
| Risk-weighted assets | 248,231,000 | 249,380,000 | 249,011,000 | 250,471,000 |
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