Call reports 2010
STATE BANK OF FARIBAULT, THE — 2010
What STATE BANK OF FARIBAULT, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 181,160,000 | 182,628,000 | 176,082,000 | 178,944,000 |
| Total loans | 96,208,000 | 93,605,000 | 91,466,000 | 87,987,000 |
| Allowance for loan losses | 1,825,000 | 1,765,000 | 2,336,000 | 2,083,000 |
| Securities available for sale | 53,020,000 | 54,177,000 | 57,109,000 | 60,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,973,000 | 159,304,000 | 153,894,000 | 157,669,000 |
| Interest-bearing deposits | 140,797,000 | 142,676,000 | 136,366,000 | 139,957,000 |
| Noninterest-bearing deposits | 18,176,000 | 16,628,000 | 17,528,000 | 17,712,000 |
| Equity capital | 18,768,000 | 19,897,000 | 20,175,000 | 19,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,131,000 | 4,246,000 | 6,303,000 | 8,408,000 |
| Interest expense | 691,000 | 1,354,000 | 1,969,000 | 2,509,000 |
| Net interest income | 1,440,000 | 2,892,000 | 4,334,000 | 5,899,000 |
| Noninterest income | 378,000 | 537,000 | 1,159,000 | 1,663,000 |
| Noninterest expense | 1,384,000 | 2,640,000 | 4,125,000 | 5,699,000 |
| Provision for loan losses | 153,000 | 446,000 | 1,123,000 | 1,400,000 |
| Pretax income | 335,000 | 431,000 | 159,000 | 377,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 330,000 | 426,000 | 154,000 | 372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,643,000 | 18,740,000 | 18,467,000 | 18,685,000 |
| Total capital | 20,302,000 | 20,379,000 | 20,057,000 | 20,292,000 |
| Risk-weighted assets | 132,570,000 | 130,951,000 | 128,272,000 | 129,979,000 |