Call reports 2012
STATE BANK OF FARIBAULT, THE — 2012
What STATE BANK OF FARIBAULT, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 177,709,000 | 186,154,000 | 190,258,000 | 188,378,000 |
| Total loans | 87,284,000 | 86,287,000 | 88,902,000 | 87,987,000 |
| Allowance for loan losses | 2,030,000 | 1,893,000 | 2,098,000 | 1,971,000 |
| Securities available for sale | 70,104,000 | 67,688,000 | 72,373,000 | 71,618,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,495,000 | 163,300,000 | 166,979,000 | 165,771,000 |
| Interest-bearing deposits | 133,468,000 | 140,340,000 | 142,628,000 | 135,522,000 |
| Noninterest-bearing deposits | 22,027,000 | 22,960,000 | 24,351,000 | 30,249,000 |
| Equity capital | 21,532,000 | 22,132,000 | 22,180,000 | 21,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,820,000 | 3,658,000 | 5,416,000 | 7,224,000 |
| Interest expense | 289,000 | 561,000 | 814,000 | 1,044,000 |
| Net interest income | 1,531,000 | 3,097,000 | 4,602,000 | 6,180,000 |
| Noninterest income | 629,000 | 1,030,000 | 1,452,000 | 1,815,000 |
| Noninterest expense | 1,450,000 | 2,945,000 | 4,394,000 | 6,106,000 |
| Provision for loan losses | 237,000 | 388,000 | 835,000 | 937,000 |
| Pretax income | 613,000 | 1,075,000 | 1,106,000 | 1,233,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 608,000 | 1,070,000 | 1,101,000 | 1,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,533,000 | 19,995,000 | 19,726,000 | 19,653,000 |
| Total capital | 21,025,000 | 21,626,000 | 21,370,000 | 21,293,000 |
| Risk-weighted assets | 129,813,000 | 131,412,000 | 135,726,000 | 138,661,000 |