Call reports 2007
STATE BANK OF FARIBAULT, THE — 2007
What STATE BANK OF FARIBAULT, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 170,646,000 | 168,157,000 | 168,613,000 | 175,602,000 |
| Total loans | 98,074,000 | 98,747,000 | 97,793,000 | 99,301,000 |
| Allowance for loan losses | 1,669,000 | 1,822,000 | 1,959,000 | 1,487,000 |
| Securities available for sale | 50,984,000 | 51,934,000 | 52,204,000 | 55,413,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,479,000 | 147,261,000 | 146,468,000 | 149,483,000 |
| Interest-bearing deposits | 130,492,000 | 128,533,000 | 126,639,000 | 129,341,000 |
| Noninterest-bearing deposits | 18,987,000 | 18,728,000 | 19,829,000 | 20,142,000 |
| Equity capital | 16,312,000 | 16,180,000 | 17,077,000 | 17,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,632,000 | 5,416,000 | 8,100,000 | 10,869,000 |
| Interest expense | 1,171,000 | 2,481,000 | 3,700,000 | 4,921,000 |
| Net interest income | 1,461,000 | 2,935,000 | 4,400,000 | 5,948,000 |
| Noninterest income | 371,000 | 820,000 | 1,252,000 | 1,662,000 |
| Noninterest expense | 1,456,000 | 2,795,000 | 4,128,000 | 5,423,000 |
| Provision for loan losses | 366,000 | 520,000 | 674,000 | 829,000 |
| Pretax income | 10,000 | 440,000 | 850,000 | 1,366,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 5,000 | 435,000 | 845,000 | 1,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,779,000 | 17,134,000 | 17,544,000 | 18,060,000 |
| Total capital | 18,292,000 | 18,672,000 | 19,063,000 | 19,547,000 |
| Risk-weighted assets | 122,541,000 | 122,782,000 | 121,092,000 | 123,444,000 |