Call reports 2004
BANK OF DIXON COUNTY — 2004
What BANK OF DIXON COUNTY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 49,412,000 | 50,704,000 | 49,561,000 | 51,414,000 |
| Total loans | 29,757,000 | 32,185,000 | 34,688,000 | 33,940,000 |
| Allowance for loan losses | 311,000 | 349,000 | 339,000 | 363,000 |
| Securities available for sale | 4,437,000 | 4,357,000 | 4,013,000 | 4,669,000 |
| Securities held to maturity | 6,888,000 | 7,009,000 | 6,905,000 | 6,267,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,989,000 | 45,258,000 | 44,073,000 | 45,855,000 |
| Interest-bearing deposits | 39,143,000 | 40,371,000 | 39,395,000 | 39,404,000 |
| Noninterest-bearing deposits | 4,846,000 | 4,887,000 | 4,678,000 | 6,451,000 |
| Equity capital | 5,085,000 | 5,158,000 | 5,197,000 | 5,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 699,000 | 1,357,000 | 2,006,000 | 2,713,000 |
| Interest expense | 245,000 | 492,000 | 736,000 | 978,000 |
| Net interest income | 454,000 | 865,000 | 1,270,000 | 1,735,000 |
| Noninterest income | 94,000 | 167,000 | 237,000 | 312,000 |
| Noninterest expense | 257,000 | 551,000 | 862,000 | 1,248,000 |
| Provision for loan losses | 0 | 40,000 | 40,000 | 70,000 |
| Pretax income | 291,000 | 441,000 | 605,000 | 729,000 |
| Income tax | 66,000 | 97,000 | 141,000 | 170,000 |
| Net income | 225,000 | 344,000 | 464,000 | 559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,008,000 | 5,127,000 | 5,151,000 | 5,246,000 |
| Total capital | 5,319,000 | 5,476,000 | 5,490,000 | 5,609,000 |
| Risk-weighted assets | 31,921,000 | 33,703,000 | 35,113,000 | 35,047,000 |
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