Call reports 2022
STATE BANK OF FAIRMONT — 2022
What STATE BANK OF FAIRMONT reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 128,939,000 | 126,919,000 | 128,982,000 | 132,160,000 |
| Total loans | 94,389,000 | 97,077,000 | 99,445,000 | 101,477,000 |
| Allowance for loan losses | 1,966,000 | 1,996,000 | 2,049,000 | 2,079,000 |
| Securities available for sale | 19,104,000 | 17,335,000 | 16,021,000 | 15,673,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,511,000 | 114,495,000 | 117,381,000 | 120,696,000 |
| Interest-bearing deposits | 96,583,000 | 92,363,000 | 95,639,000 | 98,058,000 |
| Noninterest-bearing deposits | 19,928,000 | 22,132,000 | 21,742,000 | 22,638,000 |
| Equity capital | 12,327,000 | 11,830,000 | 11,504,000 | 11,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,203,000 | 2,430,000 | 3,729,000 | 5,184,000 |
| Interest expense | 108,000 | 215,000 | 362,000 | 624,000 |
| Net interest income | 1,095,000 | 2,215,000 | 3,367,000 | 4,560,000 |
| Noninterest income | 42,000 | 98,000 | 175,000 | 238,000 |
| Noninterest expense | 717,000 | 1,361,000 | 2,078,000 | 3,625,000 |
| Provision for loan losses | 50,000 | 80,000 | 110,000 | 140,000 |
| Pretax income | 370,000 | 872,000 | 1,354,000 | 1,033,000 |
| Income tax | 42,000 | 82,000 | 122,000 | 115,000 |
| Net income | 328,000 | 790,000 | 1,232,000 | 918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,556,000 | 13,870,000 | 14,155,000 | 13,841,000 |
| Total capital | 14,738,000 | 15,107,000 | 15,441,000 | 15,152,000 |
| Risk-weighted assets | 93,747,000 | 98,237,000 | 102,027,000 | 104,079,000 |
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