Call reports 2004
DAIRYLAND STATE BANK — 2004
What DAIRYLAND STATE BANK 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 | 32,049,000 | 32,641,000 | 32,936,000 | 34,613,000 |
| Total loans | 29,282,000 | 29,501,000 | 30,274,000 | 29,832,000 |
| Allowance for loan losses | 319,000 | 341,000 | 340,000 | 340,000 |
| Securities available for sale | 764,000 | 752,000 | 495,000 | 984,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,305,000 | 29,969,000 | 30,182,000 | 31,964,000 |
| Interest-bearing deposits | 23,272,000 | 23,733,000 | 23,783,000 | 24,749,000 |
| Noninterest-bearing deposits | 6,033,000 | 6,236,000 | 6,399,000 | 7,215,000 |
| Equity capital | 2,608,000 | 2,493,000 | 2,538,000 | 2,536,000 |
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 | 519,000 | 1,048,000 | 1,589,000 | 2,127,000 |
| Interest expense | 107,000 | 214,000 | 327,000 | 446,000 |
| Net interest income | 412,000 | 834,000 | 1,262,000 | 1,681,000 |
| Noninterest income | 47,000 | 106,000 | 173,000 | 235,000 |
| Noninterest expense | 269,000 | 538,000 | 831,000 | 1,121,000 |
| Provision for loan losses | 5,000 | 33,000 | 37,000 | 46,000 |
| Pretax income | 185,000 | 369,000 | 567,000 | 749,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 185,000 | 369,000 | 567,000 | 749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,586,000 | 2,480,000 | 2,528,000 | 2,530,000 |
| Total capital | 2,905,000 | 2,819,000 | 2,868,000 | 2,869,000 |
| Risk-weighted assets | 26,569,000 | 27,079,000 | 27,258,000 | 27,138,000 |