Call reports 2018
DAIRY STATE BANK — 2018
What DAIRY STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 512,201,000 | 507,203,000 | 491,163,000 | 491,201,000 |
| Total loans | 212,199,000 | 224,910,000 | 226,377,000 | 242,635,000 |
| Allowance for loan losses | 4,964,000 | 4,957,000 | 4,959,000 | 4,848,000 |
| Securities available for sale | 260,130,000 | 246,732,000 | 241,768,000 | 221,482,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 429,792,000 | 432,846,000 | 418,911,000 | 414,612,000 |
| Interest-bearing deposits | 357,346,000 | 351,711,000 | 348,683,000 | 342,001,000 |
| Noninterest-bearing deposits | 72,446,000 | 81,135,000 | 70,228,000 | 72,611,000 |
| Equity capital | 57,098,000 | 57,349,000 | 57,555,000 | 58,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,970,000 | 8,066,000 | 12,343,000 | 16,434,000 |
| Interest expense | 699,000 | 1,514,000 | 2,412,000 | 3,331,000 |
| Net interest income | 3,271,000 | 6,552,000 | 9,931,000 | 13,103,000 |
| Noninterest income | 374,000 | 726,000 | 1,053,000 | 1,354,000 |
| Noninterest expense | 2,699,000 | 5,366,000 | 8,059,000 | 10,114,000 |
| Provision for loan losses | -600,000 | -600,000 | -600,000 | -700,000 |
| Pretax income | 1,547,000 | 2,436,000 | 3,478,000 | 4,964,000 |
| Income tax | 343,000 | 441,000 | 607,000 | 910,000 |
| Net income | 1,204,000 | 1,995,000 | 2,871,000 | 4,054,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,684,000 | 58,509,000 | 59,421,000 | 59,414,000 |
| Total capital | 60,772,000 | 61,728,000 | 62,634,000 | 62,808,000 |
| Risk-weighted assets | 245,149,000 | 255,750,000 | 253,562,000 | 270,068,000 |