Call reports 2003
DAIRYLAND STATE BANK — 2003
What DAIRYLAND STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 31,013,000 | 30,836,000 | 31,346,000 | 32,025,000 |
| Total loans | 26,058,000 | 26,090,000 | 27,473,000 | 28,509,000 |
| Allowance for loan losses | 289,000 | 295,000 | 299,000 | 309,000 |
| Securities available for sale | 1,048,000 | 793,000 | 776,000 | 768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,427,000 | 28,291,000 | 28,772,000 | 29,491,000 |
| Interest-bearing deposits | 23,127,000 | 22,149,000 | 22,323,000 | 22,709,000 |
| Noninterest-bearing deposits | 5,300,000 | 6,142,000 | 6,449,000 | 6,782,000 |
| Equity capital | 2,433,000 | 2,378,000 | 2,399,000 | 2,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 492,000 | 994,000 | 1,494,000 | 1,999,000 |
| Interest expense | 133,000 | 256,000 | 369,000 | 478,000 |
| Net interest income | 359,000 | 738,000 | 1,125,000 | 1,521,000 |
| Noninterest income | 50,000 | 99,000 | 151,000 | 208,000 |
| Noninterest expense | 256,000 | 508,000 | 772,000 | 1,034,000 |
| Provision for loan losses | 4,000 | 9,000 | 13,000 | 22,000 |
| Pretax income | 149,000 | 320,000 | 491,000 | 673,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 149,000 | 320,000 | 491,000 | 673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,397,000 | 2,338,000 | 2,369,000 | 2,401,000 |
| Total capital | 2,686,000 | 2,633,000 | 2,668,000 | 2,710,000 |
| Risk-weighted assets | 24,342,000 | 24,120,000 | 25,226,000 | 26,030,000 |