Call reports 2011
DAIRY STATE BANK — 2011
What DAIRY STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 465,360,000 | 453,141,000 | 448,758,000 | 452,997,000 |
| Total loans | 228,416,000 | 221,471,000 | 215,795,000 | 205,352,000 |
| Allowance for loan losses | 5,715,000 | 5,946,000 | 6,471,000 | 6,784,000 |
| Securities available for sale | 205,136,000 | 209,890,000 | 207,532,000 | 227,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,273,000 | 352,498,000 | 345,419,000 | 339,226,000 |
| Interest-bearing deposits | 306,324,000 | 297,873,000 | 304,771,000 | 290,844,000 |
| Noninterest-bearing deposits | 55,949,000 | 54,625,000 | 40,648,000 | 48,382,000 |
| Equity capital | 44,514,000 | 46,344,000 | 47,436,000 | 47,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,651,000 | 9,441,000 | 14,079,000 | 18,225,000 |
| Interest expense | 1,196,000 | 2,350,000 | 3,414,000 | 4,395,000 |
| Net interest income | 3,455,000 | 7,091,000 | 10,665,000 | 13,830,000 |
| Noninterest income | 261,000 | 548,000 | 845,000 | 1,179,000 |
| Noninterest expense | 2,073,000 | 4,198,000 | 6,194,000 | 7,969,000 |
| Provision for loan losses | 750,000 | 1,220,000 | 1,980,000 | 2,440,000 |
| Pretax income | 895,000 | 2,239,000 | 3,354,000 | 4,618,000 |
| Income tax | 228,000 | 612,000 | 918,000 | 1,346,000 |
| Net income | 667,000 | 1,627,000 | 2,436,000 | 3,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,222,000 | 43,182,000 | 43,991,000 | 44,369,000 |
| Total capital | 45,367,000 | 46,313,000 | 47,030,000 | 47,333,000 |
| Risk-weighted assets | 249,066,000 | 247,642,000 | 239,694,000 | 233,282,000 |