Call reports 2006
STATE BANK OF FARIBAULT, THE — 2006
What STATE BANK OF FARIBAULT, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 157,949,000 | 162,566,000 | 166,569,000 | 171,345,000 |
| Total loans | 99,691,000 | 101,466,000 | 100,745,000 | 98,301,000 |
| Allowance for loan losses | 1,405,000 | 1,414,000 | 1,738,000 | 1,255,000 |
| Securities available for sale | 46,338,000 | 45,304,000 | 44,335,000 | 47,350,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,102,000 | 143,414,000 | 145,919,000 | 150,606,000 |
| Interest-bearing deposits | 116,164,000 | 124,968,000 | 125,840,000 | 129,923,000 |
| Noninterest-bearing deposits | 17,938,000 | 18,446,000 | 20,079,000 | 20,683,000 |
| Equity capital | 15,615,000 | 14,942,000 | 16,078,000 | 16,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,525,000 | 5,258,000 | 7,943,000 | 10,777,000 |
| Interest expense | 842,000 | 1,858,000 | 2,923,000 | 4,120,000 |
| Net interest income | 1,683,000 | 3,400,000 | 5,020,000 | 6,657,000 |
| Noninterest income | 329,000 | 683,000 | 1,327,000 | 1,671,000 |
| Noninterest expense | 1,363,000 | 2,677,000 | 3,973,000 | 5,088,000 |
| Provision for loan losses | 41,000 | 92,000 | 444,000 | 581,000 |
| Pretax income | 608,000 | 1,278,000 | 1,894,000 | 2,623,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 603,000 | 1,273,000 | 1,889,000 | 2,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,709,000 | 16,479,000 | 16,795,000 | 17,524,000 |
| Total capital | 18,114,000 | 17,893,000 | 18,326,000 | 18,779,000 |
| Risk-weighted assets | 118,029,000 | 120,980,000 | 122,305,000 | 120,769,000 |