Call reports 2005
STATE BANK OF FARIBAULT, THE — 2005
What STATE BANK OF FARIBAULT, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 154,165,000 | 154,396,000 | 159,296,000 | 163,450,000 |
| Total loans | 97,335,000 | 99,293,000 | 99,218,000 | 100,678,000 |
| Allowance for loan losses | 1,327,000 | 1,361,000 | 1,347,000 | 1,377,000 |
| Securities available for sale | 44,054,000 | 45,515,000 | 42,790,000 | 47,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,222,000 | 131,882,000 | 138,477,000 | 144,135,000 |
| Interest-bearing deposits | 116,451,000 | 113,343,000 | 119,595,000 | 123,556,000 |
| Noninterest-bearing deposits | 17,771,000 | 18,539,000 | 18,882,000 | 20,579,000 |
| Equity capital | 15,483,000 | 15,894,000 | 15,993,000 | 15,520,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,243,000 | 4,581,000 | 7,016,000 | 9,547,000 |
| Interest expense | 580,000 | 1,246,000 | 1,943,000 | 2,791,000 |
| Net interest income | 1,663,000 | 3,335,000 | 5,073,000 | 6,756,000 |
| Noninterest income | 284,000 | 656,000 | 1,015,000 | 1,412,000 |
| Noninterest expense | 1,285,000 | 2,504,000 | 3,768,000 | 5,047,000 |
| Provision for loan losses | 75,000 | 135,000 | 165,000 | 195,000 |
| Pretax income | 585,000 | 1,341,000 | 2,135,000 | 2,906,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 583,000 | 1,339,000 | 2,133,000 | 2,904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,285,000 | 16,141,000 | 16,634,000 | 16,406,000 |
| Total capital | 17,612,000 | 17,502,000 | 17,981,000 | 17,783,000 |
| Risk-weighted assets | 110,691,000 | 113,186,000 | 115,378,000 | 124,883,000 |