Call reports 2004
DART BANK, THE — 2004
What DART BANK, THE 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 | 224,334,000 | 212,758,000 | 218,166,000 | 213,549,000 |
| Total loans | 144,338,000 | 142,575,000 | 141,932,000 | 139,133,000 |
| Allowance for loan losses | 3,041,000 | 1,111,000 | 1,252,000 | 1,350,000 |
| Securities available for sale | 47,904,000 | 46,931,000 | 48,370,000 | 48,790,000 |
| Securities held to maturity | 10,965,000 | 9,098,000 | 8,560,000 | 5,796,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,918,000 | 184,425,000 | 192,839,000 | 187,981,000 |
| Interest-bearing deposits | 170,744,000 | 155,355,000 | 163,050,000 | 160,226,000 |
| Noninterest-bearing deposits | 28,174,000 | 29,070,000 | 29,789,000 | 27,755,000 |
| Equity capital | 21,976,000 | 21,513,000 | 21,849,000 | 22,143,000 |
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 | 2,968,000 | 5,879,000 | 8,808,000 | 11,784,000 |
| Interest expense | 1,006,000 | 1,964,000 | 2,982,000 | 4,022,000 |
| Net interest income | 1,962,000 | 3,915,000 | 5,826,000 | 7,762,000 |
| Noninterest income | 235,000 | 452,000 | 664,000 | 855,000 |
| Noninterest expense | 1,333,000 | 2,674,000 | 4,027,000 | 5,338,000 |
| Provision for loan losses | 146,000 | 313,000 | 498,000 | 648,000 |
| Pretax income | 718,000 | 1,380,000 | 1,965,000 | 2,631,000 |
| Income tax | 182,000 | 350,000 | 496,000 | 670,000 |
| Net income | 536,000 | 1,030,000 | 1,469,000 | 1,961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,641,000 | 21,137,000 | 20,976,000 | 21,468,000 |
| Total capital | 22,360,000 | 22,248,000 | 22,228,000 | 22,818,000 |
| Risk-weighted assets | 136,168,000 | 134,385,000 | 135,076,000 | 133,766,000 |