Call reports 2014
DAIRY STATE BANK — 2014
What DAIRY STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 507,223,000 | 507,706,000 | 520,687,000 | 529,747,000 |
| Total loans | 191,357,000 | 187,854,000 | 182,342,000 | 180,595,000 |
| Allowance for loan losses | 6,233,000 | 6,136,000 | 6,254,000 | 6,346,000 |
| Securities available for sale | 291,499,000 | 294,070,000 | 309,039,000 | 310,562,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 422,008,000 | 421,470,000 | 430,067,000 | 432,393,000 |
| Interest-bearing deposits | 363,559,000 | 363,313,000 | 367,592,000 | 367,317,000 |
| Noninterest-bearing deposits | 58,449,000 | 58,157,000 | 62,475,000 | 65,076,000 |
| Equity capital | 50,305,000 | 52,308,000 | 53,110,000 | 53,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,774,000 | 7,779,000 | 11,823,000 | 15,874,000 |
| Interest expense | 568,000 | 1,143,000 | 1,709,000 | 2,247,000 |
| Net interest income | 3,206,000 | 6,636,000 | 10,114,000 | 13,627,000 |
| Noninterest income | 446,000 | 894,000 | 1,224,000 | 1,586,000 |
| Noninterest expense | 2,234,000 | 4,674,000 | 7,180,000 | 9,501,000 |
| Provision for loan losses | 150,000 | 302,000 | 455,000 | 608,000 |
| Pretax income | 1,251,000 | 2,537,000 | 3,696,000 | 5,104,000 |
| Income tax | 370,000 | 741,000 | 1,064,000 | 1,524,000 |
| Net income | 881,000 | 1,796,000 | 2,632,000 | 3,580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,133,000 | 49,084,000 | 49,953,000 | 50,186,000 |
| Total capital | 51,055,000 | 51,992,000 | 52,782,000 | 52,966,000 |
| Risk-weighted assets | 230,467,000 | 229,429,000 | 222,907,000 | 218,823,000 |
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