Call reports 2015
DAIRY STATE BANK — 2015
What DAIRY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 512,685,000 | 504,578,000 | 505,199,000 | 496,721,000 |
| Total loans | 188,987,000 | 188,513,000 | 187,690,000 | 195,188,000 |
| Allowance for loan losses | 6,419,000 | 6,425,000 | 6,276,000 | 6,225,000 |
| Securities available for sale | 295,569,000 | 293,175,000 | 292,536,000 | 280,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 416,660,000 | 410,685,000 | 404,885,000 | 412,968,000 |
| Interest-bearing deposits | 351,322,000 | 344,448,000 | 338,157,000 | 347,792,000 |
| Noninterest-bearing deposits | 65,338,000 | 66,237,000 | 66,728,000 | 65,176,000 |
| Equity capital | 56,157,000 | 55,535,000 | 57,525,000 | 57,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,892,000 | 7,725,000 | 11,673,000 | 15,544,000 |
| Interest expense | 497,000 | 987,000 | 1,449,000 | 1,894,000 |
| Net interest income | 3,395,000 | 6,738,000 | 10,224,000 | 13,650,000 |
| Noninterest income | 313,000 | 691,000 | 1,006,000 | 1,144,000 |
| Noninterest expense | 2,475,000 | 4,848,000 | 7,258,000 | 9,328,000 |
| Provision for loan losses | 75,000 | 151,000 | 0 | 0 |
| Pretax income | 1,229,000 | 2,501,000 | 4,088,000 | 5,592,000 |
| Income tax | 362,000 | 757,000 | 1,248,000 | 1,614,000 |
| Net income | 867,000 | 1,744,000 | 2,840,000 | 3,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,624,000 | 52,519,000 | 53,635,000 | 54,714,000 |
| Total capital | 54,575,000 | 55,415,000 | 56,504,000 | 57,618,000 |
| Risk-weighted assets | 232,646,000 | 228,112,000 | 226,100,000 | 229,021,000 |