Call reports 2016
DAIRY STATE BANK — 2016
What DAIRY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 489,889,000 | 486,686,000 | 488,885,000 | 503,997,000 |
| Total loans | 192,974,000 | 198,059,000 | 195,174,000 | 202,237,000 |
| Allowance for loan losses | 6,149,000 | 6,150,000 | 6,145,000 | 5,480,000 |
| Securities available for sale | 275,219,000 | 267,904,000 | 265,772,000 | 273,417,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 397,887,000 | 402,088,000 | 406,315,000 | 422,705,000 |
| Interest-bearing deposits | 340,652,000 | 335,679,000 | 336,686,000 | 349,588,000 |
| Noninterest-bearing deposits | 57,235,000 | 66,409,000 | 69,629,000 | 73,117,000 |
| Equity capital | 59,535,000 | 60,614,000 | 61,272,000 | 56,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,881,000 | 7,612,000 | 11,293,000 | 14,965,000 |
| Interest expense | 439,000 | 866,000 | 1,313,000 | 1,743,000 |
| Net interest income | 3,442,000 | 6,746,000 | 9,980,000 | 13,222,000 |
| Noninterest income | 282,000 | 427,000 | 762,000 | 1,135,000 |
| Noninterest expense | 2,575,000 | 5,164,000 | 7,699,000 | 10,203,000 |
| Provision for loan losses | 0 | 0 | 0 | -500,000 |
| Pretax income | 1,147,000 | 2,107,000 | 3,141,000 | 4,752,000 |
| Income tax | 303,000 | 540,000 | 804,000 | 1,300,000 |
| Net income | 844,000 | 1,567,000 | 2,337,000 | 3,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,419,000 | 56,167,000 | 56,961,000 | 55,286,000 |
| Total capital | 58,290,000 | 59,111,000 | 59,877,000 | 58,259,000 |
| Risk-weighted assets | 226,386,000 | 232,298,000 | 230,059,000 | 235,372,000 |