Call reports 2012
DAIRY STATE BANK — 2012
What DAIRY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 431,300,000 | 430,183,000 | 423,079,000 | 438,184,000 |
| Total loans | 196,578,000 | 194,338,000 | 190,332,000 | 177,331,000 |
| Allowance for loan losses | 5,696,000 | 5,781,000 | 6,249,000 | 6,039,000 |
| Securities available for sale | 204,611,000 | 209,368,000 | 218,652,000 | 232,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,575,000 | 339,748,000 | 335,870,000 | 350,637,000 |
| Interest-bearing deposits | 293,464,000 | 295,612,000 | 293,795,000 | 297,502,000 |
| Noninterest-bearing deposits | 39,111,000 | 44,136,000 | 42,075,000 | 53,135,000 |
| Equity capital | 47,935,000 | 48,582,000 | 49,472,000 | 45,303,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,899,000 | 7,566,000 | 11,118,000 | 14,502,000 |
| Interest expense | 814,000 | 1,590,000 | 2,323,000 | 2,997,000 |
| Net interest income | 3,085,000 | 5,976,000 | 8,795,000 | 11,505,000 |
| Noninterest income | 313,000 | 557,000 | 924,000 | 1,277,000 |
| Noninterest expense | 2,086,000 | 4,086,000 | 6,005,000 | 7,795,000 |
| Provision for loan losses | 455,000 | 910,000 | 1,370,000 | 1,676,000 |
| Pretax income | 906,000 | 1,586,000 | 2,393,000 | 3,360,000 |
| Income tax | 238,000 | 360,000 | 526,000 | 841,000 |
| Net income | 668,000 | 1,226,000 | 1,867,000 | 2,519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,036,000 | 45,594,000 | 46,235,000 | 42,726,000 |
| Total capital | 47,830,000 | 48,355,000 | 48,962,000 | 45,388,000 |
| Risk-weighted assets | 220,588,000 | 217,861,000 | 214,600,000 | 209,584,000 |