Call reports 2004
STATE BANK OF FARIBAULT, THE — 2004
What STATE BANK OF FARIBAULT, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 154,374,000 | 155,919,000 | 159,922,000 | 158,417,000 |
| Total loans | 91,966,000 | 94,039,000 | 96,784,000 | 99,265,000 |
| Allowance for loan losses | 1,228,000 | 1,244,000 | 1,237,000 | 1,235,000 |
| Securities available for sale | 53,260,000 | 46,620,000 | 47,760,000 | 47,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,984,000 | 135,752,000 | 138,580,000 | 138,436,000 |
| Interest-bearing deposits | 113,358,000 | 117,104,000 | 121,504,000 | 118,194,000 |
| Noninterest-bearing deposits | 16,626,000 | 18,648,000 | 17,076,000 | 20,242,000 |
| Equity capital | 16,669,000 | 15,371,000 | 16,371,000 | 15,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,147,000 | 4,352,000 | 6,568,000 | 8,839,000 |
| Interest expense | 517,000 | 1,039,000 | 1,557,000 | 2,122,000 |
| Net interest income | 1,630,000 | 3,313,000 | 5,011,000 | 6,717,000 |
| Noninterest income | 306,000 | 690,000 | 1,025,000 | 1,371,000 |
| Noninterest expense | 1,316,000 | 2,504,000 | 3,729,000 | 5,043,000 |
| Provision for loan losses | 96,000 | 120,000 | 140,000 | 190,000 |
| Pretax income | 558,000 | 1,413,000 | 2,201,000 | 2,917,000 |
| Income tax | 3,000 | 3,000 | 10,000 | 3,000 |
| Net income | 555,000 | 1,410,000 | 2,191,000 | 2,914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,843,000 | 15,798,000 | 16,179,000 | 16,002,000 |
| Total capital | 17,071,000 | 17,042,000 | 17,416,000 | 17,237,000 |
| Risk-weighted assets | 103,288,000 | 113,467,000 | 110,338,000 | 112,427,000 |