Call reports 2009
STATE BANK OF FARIBAULT, THE — 2009
What STATE BANK OF FARIBAULT, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 169,322,000 | 178,992,000 | 175,440,000 | 179,593,000 |
| Total loans | 96,497,000 | 98,253,000 | 98,662,000 | 97,659,000 |
| Allowance for loan losses | 1,692,000 | 1,691,000 | 1,715,000 | 2,082,000 |
| Securities available for sale | 51,176,000 | 48,384,000 | 49,246,000 | 52,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,710,000 | 157,260,000 | 152,261,000 | 156,302,000 |
| Interest-bearing deposits | 128,119,000 | 138,129,000 | 135,012,000 | 137,944,000 |
| Noninterest-bearing deposits | 19,591,000 | 19,131,000 | 17,249,000 | 18,358,000 |
| Equity capital | 17,650,000 | 17,441,000 | 18,658,000 | 18,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,291,000 | 4,623,000 | 6,859,000 | 9,218,000 |
| Interest expense | 752,000 | 1,523,000 | 2,266,000 | 3,017,000 |
| Net interest income | 1,539,000 | 3,100,000 | 4,593,000 | 6,201,000 |
| Noninterest income | 412,000 | 609,000 | 1,013,000 | 1,432,000 |
| Noninterest expense | 1,434,000 | 2,842,000 | 4,210,000 | 5,580,000 |
| Provision for loan losses | 55,000 | 95,000 | 160,000 | 506,000 |
| Pretax income | 462,000 | 755,000 | 1,079,000 | 1,390,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 457,000 | 750,000 | 1,074,000 | 1,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,399,000 | 18,292,000 | 18,501,000 | 18,712,000 |
| Total capital | 19,992,000 | 19,929,000 | 20,164,000 | 20,387,000 |
| Risk-weighted assets | 127,329,000 | 130,925,000 | 132,514,000 | 133,608,000 |