Call reports 2005
DAIRY STATE BANK — 2005
What DAIRY STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 245,502,000 | 245,757,000 | 249,618,000 | 243,514,000 |
| Total loans | 119,736,000 | 121,208,000 | 123,947,000 | 127,681,000 |
| Allowance for loan losses | 1,593,000 | 1,621,000 | 1,656,000 | 1,650,000 |
| Securities available for sale | 109,926,000 | 115,300,000 | 115,825,000 | 108,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,334,000 | 217,924,000 | 220,639,000 | 210,159,000 |
| Interest-bearing deposits | 192,428,000 | 188,431,000 | 189,564,000 | 182,641,000 |
| Noninterest-bearing deposits | 26,906,000 | 29,493,000 | 31,075,000 | 27,518,000 |
| Equity capital | 20,491,000 | 22,048,000 | 22,160,000 | 20,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,902,000 | 5,883,000 | 9,028,000 | 12,151,000 |
| Interest expense | 1,113,000 | 2,281,000 | 3,622,000 | 4,989,000 |
| Net interest income | 1,789,000 | 3,602,000 | 5,406,000 | 7,162,000 |
| Noninterest income | 366,000 | 622,000 | 848,000 | 1,101,000 |
| Noninterest expense | 1,091,000 | 2,185,000 | 3,302,000 | 4,320,000 |
| Provision for loan losses | 27,000 | 54,000 | 83,000 | 110,000 |
| Pretax income | 979,000 | 1,926,000 | 2,811,000 | 3,766,000 |
| Income tax | 291,000 | 587,000 | 854,000 | 1,143,000 |
| Net income | 688,000 | 1,339,000 | 1,957,000 | 2,623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,722,000 | 22,373,000 | 22,991,000 | 21,857,000 |
| Total capital | 23,315,000 | 23,994,000 | 24,647,000 | 23,507,000 |
| Risk-weighted assets | 136,413,000 | 135,069,000 | 138,138,000 | 139,334,000 |
Machine access — free, no API key
Every figure shown here about DAIRY STATE BANK — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.