Call reports 2013
STATE BANK OF FARIBAULT, THE — 2013
What STATE BANK OF FARIBAULT, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 172,799,000 | 178,231,000 | 172,447,000 | 175,941,000 |
| Total loans | 87,710,000 | 89,742,000 | 90,865,000 | 88,380,000 |
| Allowance for loan losses | 2,065,000 | 2,149,000 | 2,152,000 | 2,086,000 |
| Securities available for sale | 67,141,000 | 59,391,000 | 55,709,000 | 56,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,342,000 | 157,664,000 | 151,428,000 | 155,199,000 |
| Interest-bearing deposits | 123,866,000 | 131,495,000 | 123,005,000 | 125,885,000 |
| Noninterest-bearing deposits | 26,476,000 | 26,169,000 | 28,423,000 | 29,314,000 |
| Equity capital | 21,147,000 | 19,814,000 | 20,172,000 | 19,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,696,000 | 3,523,000 | 5,270,000 | 6,977,000 |
| Interest expense | 177,000 | 348,000 | 506,000 | 661,000 |
| Net interest income | 1,519,000 | 3,175,000 | 4,764,000 | 6,316,000 |
| Noninterest income | 380,000 | 778,000 | 1,134,000 | 1,585,000 |
| Noninterest expense | 1,505,000 | 3,124,000 | 4,641,000 | 6,504,000 |
| Provision for loan losses | 122,000 | 173,000 | 175,000 | 177,000 |
| Pretax income | 436,000 | 865,000 | 1,349,000 | 1,487,000 |
| Income tax | 0 | 5,000 | 5,000 | 5,000 |
| Net income | 436,000 | 860,000 | 1,344,000 | 1,482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,489,000 | 19,913,000 | 20,097,000 | 20,235,000 |
| Total capital | 21,035,000 | 21,582,000 | 21,683,000 | 21,906,000 |
| Risk-weighted assets | 137,011,000 | 141,455,000 | 145,434,000 | 143,807,000 |