Call reports 2014
STATE BANK OF FARIBAULT, THE — 2014
What STATE BANK OF FARIBAULT, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 170,308,000 | 174,639,000 | 182,964,000 | 177,098,000 |
| Total loans | 86,618,000 | 90,726,000 | 94,784,000 | 99,353,000 |
| Allowance for loan losses | 2,069,000 | 2,156,000 | 1,995,000 | 1,725,000 |
| Securities available for sale | 59,513,000 | 59,851,000 | 57,989,000 | 57,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,195,000 | 153,373,000 | 161,382,000 | 153,070,000 |
| Interest-bearing deposits | 122,635,000 | 125,666,000 | 132,509,000 | 123,470,000 |
| Noninterest-bearing deposits | 26,560,000 | 27,707,000 | 28,873,000 | 29,600,000 |
| Equity capital | 19,756,000 | 20,469,000 | 20,639,000 | 21,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,648,000 | 3,334,000 | 5,042,000 | 6,783,000 |
| Interest expense | 137,000 | 277,000 | 408,000 | 533,000 |
| Net interest income | 1,511,000 | 3,057,000 | 4,634,000 | 6,250,000 |
| Noninterest income | 423,000 | 803,000 | 1,177,000 | 1,571,000 |
| Noninterest expense | 1,589,000 | 3,110,000 | 4,618,000 | 6,474,000 |
| Provision for loan losses | 1,000 | 2,000 | 4,000 | 5,000 |
| Pretax income | 344,000 | 748,000 | 1,194,000 | 1,347,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 342,000 | 746,000 | 1,192,000 | 1,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,727,000 | 19,842,000 | 20,106,000 | 20,260,000 |
| Total capital | 21,305,000 | 21,389,000 | 21,879,000 | 21,961,000 |
| Risk-weighted assets | 142,352,000 | 146,362,000 | 151,122,000 | 155,725,000 |