Call reports 2013
DAIRY STATE BANK — 2013
What DAIRY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 427,086,000 | 418,769,000 | 430,662,000 | 452,692,000 |
| Total loans | 173,114,000 | 169,371,000 | 162,181,000 | 161,740,000 |
| Allowance for loan losses | 5,985,000 | 5,852,000 | 5,996,000 | 6,090,000 |
| Securities available for sale | 231,659,000 | 226,581,000 | 244,188,000 | 256,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,566,000 | 337,577,000 | 344,878,000 | 361,200,000 |
| Interest-bearing deposits | 298,592,000 | 294,609,000 | 295,949,000 | 314,641,000 |
| Noninterest-bearing deposits | 41,974,000 | 42,968,000 | 48,929,000 | 46,559,000 |
| Equity capital | 45,698,000 | 44,140,000 | 44,895,000 | 42,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,101,000 | 6,257,000 | 9,609,000 | 12,863,000 |
| Interest expense | 625,000 | 1,245,000 | 1,832,000 | 2,410,000 |
| Net interest income | 2,476,000 | 5,012,000 | 7,777,000 | 10,453,000 |
| Noninterest income | 353,000 | 732,000 | 1,166,000 | 1,469,000 |
| Noninterest expense | 2,040,000 | 4,024,000 | 6,101,000 | 7,972,000 |
| Provision for loan losses | 300,000 | 603,000 | 757,000 | 910,000 |
| Pretax income | 489,000 | 1,117,000 | 2,099,000 | 3,054,000 |
| Income tax | 61,000 | 147,000 | 378,000 | 637,000 |
| Net income | 428,000 | 970,000 | 1,721,000 | 2,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,154,000 | 43,696,000 | 44,448,000 | 41,644,000 |
| Total capital | 45,769,000 | 46,243,000 | 46,983,000 | 44,185,000 |
| Risk-weighted assets | 205,863,000 | 200,438,000 | 199,358,000 | 199,760,000 |