Call reports 2023
DAIRY STATE BANK — 2023
What DAIRY STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 696,522,000 | 685,904,000 | 718,219,000 | 743,112,000 |
| Total loans | 277,698,000 | 298,836,000 | 312,809,000 | 335,230,000 |
| Allowance for loan losses | 6,100,000 | 6,298,000 | 6,551,000 | 6,164,000 |
| Securities available for sale | 366,090,000 | 346,596,000 | 331,823,000 | 327,110,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 603,139,000 | 593,289,000 | 621,939,000 | 625,972,000 |
| Interest-bearing deposits | 499,180,000 | 478,708,000 | 490,428,000 | 513,164,000 |
| Noninterest-bearing deposits | 103,959,000 | 114,581,000 | 131,511,000 | 112,808,000 |
| Equity capital | 57,386,000 | 57,803,000 | 51,935,000 | 60,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,656,000 | 11,671,000 | 18,228,000 | 25,622,000 |
| Interest expense | 1,843,000 | 4,259,000 | 7,117,000 | 10,457,000 |
| Net interest income | 3,813,000 | 7,412,000 | 11,111,000 | 15,165,000 |
| Noninterest income | 384,000 | 746,000 | 1,107,000 | 1,479,000 |
| Noninterest expense | 3,034,000 | 6,081,000 | 9,232,000 | 12,481,000 |
| Provision for loan losses | 35,000 | 245,000 | 503,000 | 129,000 |
| Pretax income | 1,044,000 | 1,416,000 | 2,067,000 | 2,856,000 |
| Income tax | 223,000 | 255,000 | 251,000 | 2,969,000 |
| Net income | 821,000 | 1,161,000 | 1,816,000 | -113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,539,000 | 77,915,000 | 78,606,000 | 76,510,000 |
| Total capital | 82,015,000 | 82,716,000 | 83,489,000 | 81,583,000 |
| Risk-weighted assets | 356,449,000 | 382,654,000 | 389,001,000 | 403,887,000 |