Call reports 2016
DAIRYLAND STATE BANK — 2016
What DAIRYLAND 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 | 82,247,000 | 80,577,000 | 82,189,000 | 79,104,000 |
| Total loans | 63,896,000 | 62,330,000 | 60,250,000 | 60,760,000 |
| Allowance for loan losses | 706,000 | 717,000 | 720,000 | 701,000 |
| Securities available for sale | 7,818,000 | 7,351,000 | 7,165,000 | 6,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,246,000 | 71,972,000 | 73,599,000 | 70,799,000 |
| Interest-bearing deposits | 56,560,000 | 56,374,000 | 56,585,000 | 53,695,000 |
| Noninterest-bearing deposits | 15,686,000 | 15,598,000 | 17,014,000 | 17,104,000 |
| Equity capital | 8,497,000 | 8,433,000 | 8,365,000 | 8,184,000 |
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 | 823,000 | 1,648,000 | 2,476,000 | 3,290,000 |
| Interest expense | 52,000 | 106,000 | 158,000 | 209,000 |
| Net interest income | 771,000 | 1,542,000 | 2,318,000 | 3,081,000 |
| Noninterest income | 83,000 | 181,000 | 260,000 | 447,000 |
| Noninterest expense | 663,000 | 1,346,000 | 2,087,000 | 2,819,000 |
| Provision for loan losses | 10,000 | 18,000 | 21,000 | 53,000 |
| Pretax income | 188,000 | 366,000 | 477,000 | 663,000 |
| Income tax | 0 | 0 | -1,000 | 0 |
| Net income | 188,000 | 366,000 | 478,000 | 663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,803,000 | 7,667,000 | 7,660,000 | 7,645,000 |
| Total capital | 8,509,000 | 8,384,000 | 8,380,000 | 8,346,000 |
| Risk-weighted assets | 62,548,000 | 60,969,000 | 59,936,000 | 58,437,000 |