Call reports 2005
DAIRYLAND STATE BANK — 2005
What DAIRYLAND 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 | 34,584,000 | 35,048,000 | 35,063,000 | 36,919,000 |
| Total loans | 29,736,000 | 32,382,000 | 32,789,000 | 34,576,000 |
| Allowance for loan losses | 370,000 | 373,000 | 376,000 | 377,000 |
| Securities available for sale | 978,000 | 474,000 | 271,000 | 86,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,712,000 | 31,570,000 | 31,060,000 | 33,358,000 |
| Interest-bearing deposits | 25,676,000 | 25,330,000 | 24,567,000 | 25,033,000 |
| Noninterest-bearing deposits | 6,036,000 | 6,240,000 | 6,493,000 | 8,325,000 |
| Equity capital | 2,720,000 | 2,622,000 | 2,664,000 | 2,679,000 |
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 | 566,000 | 1,144,000 | 1,769,000 | 2,369,000 |
| Interest expense | 135,000 | 274,000 | 422,000 | 585,000 |
| Net interest income | 431,000 | 870,000 | 1,347,000 | 1,784,000 |
| Noninterest income | 55,000 | 114,000 | 163,000 | 213,000 |
| Noninterest expense | 297,000 | 602,000 | 908,000 | 1,223,000 |
| Provision for loan losses | 3,000 | 6,000 | 33,000 | 37,000 |
| Pretax income | 186,000 | 376,000 | 569,000 | 737,000 |
| Income tax | 0 | 0 | 0 | 3,000 |
| Net income | 186,000 | 376,000 | 569,000 | 734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,716,000 | 2,621,000 | 2,664,000 | 2,679,000 |
| Total capital | 3,052,000 | 2,981,000 | 3,024,000 | 3,056,000 |
| Risk-weighted assets | 26,884,000 | 28,769,000 | 28,806,000 | 30,532,000 |