Call reports 2015
DAIRYLAND STATE BANK — 2015
What DAIRYLAND 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 | 84,159,000 | 82,087,000 | 83,381,000 | 83,080,000 |
| Total loans | 62,462,000 | 62,017,000 | 62,731,000 | 62,278,000 |
| Allowance for loan losses | 760,000 | 767,000 | 775,000 | 682,000 |
| Securities available for sale | 8,994,000 | 8,394,000 | 8,468,000 | 8,395,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,433,000 | 72,511,000 | 74,768,000 | 74,722,000 |
| Interest-bearing deposits | 56,913,000 | 56,266,000 | 57,795,000 | 57,665,000 |
| Noninterest-bearing deposits | 17,520,000 | 16,245,000 | 16,973,000 | 17,057,000 |
| Equity capital | 8,428,000 | 8,263,000 | 8,398,000 | 8,231,000 |
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 | 814,000 | 1,637,000 | 2,467,000 | 3,299,000 |
| Interest expense | 52,000 | 105,000 | 156,000 | 207,000 |
| Net interest income | 762,000 | 1,532,000 | 2,311,000 | 3,092,000 |
| Noninterest income | 80,000 | 183,000 | 276,000 | 340,000 |
| Noninterest expense | 665,000 | 1,309,000 | 2,033,000 | 2,735,000 |
| Provision for loan losses | 10,000 | 18,000 | 24,000 | 35,000 |
| Pretax income | 167,000 | 388,000 | 530,000 | 662,000 |
| Income tax | 1,000 | 4,000 | 7,000 | 11,000 |
| Net income | 166,000 | 384,000 | 523,000 | 651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,735,000 | 7,683,000 | 7,727,000 | 7,616,000 |
| Total capital | 8,495,000 | 8,450,000 | 8,502,000 | 8,298,000 |
| Risk-weighted assets | 62,405,000 | 62,884,000 | 62,082,000 | 61,272,000 |