Call reports 2015
STATE BANK OF FARIBAULT, THE — 2015
What STATE BANK OF FARIBAULT, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 179,879,000 | 175,590,000 | 179,002,000 | 183,189,000 |
| Total loans | 100,132,000 | 102,715,000 | 107,337,000 | 107,831,000 |
| Allowance for loan losses | 1,764,000 | 1,947,000 | 2,089,000 | 1,897,000 |
| Securities available for sale | 50,535,000 | 49,821,000 | 49,304,000 | 48,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,460,000 | 154,116,000 | 156,231,000 | 161,271,000 |
| Interest-bearing deposits | 127,661,000 | 124,449,000 | 126,468,000 | 129,426,000 |
| Noninterest-bearing deposits | 29,799,000 | 29,667,000 | 29,763,000 | 31,845,000 |
| Equity capital | 21,581,000 | 20,584,000 | 21,738,000 | 20,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,715,000 | 3,441,000 | 5,274,000 | 7,087,000 |
| Interest expense | 107,000 | 209,000 | 307,000 | 400,000 |
| Net interest income | 1,608,000 | 3,232,000 | 4,967,000 | 6,687,000 |
| Noninterest income | 418,000 | 808,000 | 1,618,000 | 2,020,000 |
| Noninterest expense | 1,638,000 | 3,278,000 | 4,868,000 | 7,212,000 |
| Provision for loan losses | 31,000 | 62,000 | 92,000 | 122,000 |
| Pretax income | 533,000 | 876,000 | 1,847,000 | 1,595,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 529,000 | 872,000 | 1,843,000 | 1,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,488,000 | 20,093,000 | 20,820,000 | 20,068,000 |
| Total capital | 22,252,000 | 22,040,000 | 22,505,000 | 21,965,000 |
| Risk-weighted assets | 165,273,000 | 165,498,000 | 134,395,000 | 172,594,000 |