Call reports 2007
DAIRYLAND STATE BANK — 2007
What DAIRYLAND STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 37,738,000 | 39,005,000 | 39,746,000 | 40,339,000 |
| Total loans | 33,798,000 | 33,073,000 | 33,626,000 | 33,402,000 |
| Allowance for loan losses | 408,000 | 405,000 | 412,000 | 414,000 |
| Securities available for sale | 14,000 | 513,000 | 518,000 | 520,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,441,000 | 35,767,000 | 36,401,000 | 36,855,000 |
| Interest-bearing deposits | 27,346,000 | 28,352,000 | 29,144,000 | 29,686,000 |
| Noninterest-bearing deposits | 7,095,000 | 7,415,000 | 7,257,000 | 7,169,000 |
| Equity capital | 3,022,000 | 2,937,000 | 2,991,000 | 3,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 694,000 | 1,411,000 | 2,147,000 | 2,877,000 |
| Interest expense | 241,000 | 480,000 | 741,000 | 1,006,000 |
| Net interest income | 453,000 | 931,000 | 1,406,000 | 1,871,000 |
| Noninterest income | 49,000 | 100,000 | 146,000 | 205,000 |
| Noninterest expense | 329,000 | 654,000 | 995,000 | 1,320,000 |
| Provision for loan losses | 4,000 | 9,000 | 16,000 | 24,000 |
| Pretax income | 169,000 | 368,000 | 541,000 | 732,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 169,000 | 368,000 | 541,000 | 732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,022,000 | 2,937,000 | 2,985,000 | 3,176,000 |
| Total capital | 3,400,000 | 3,312,000 | 3,370,000 | 3,560,000 |
| Risk-weighted assets | 30,244,000 | 29,981,000 | 30,768,000 | 30,696,000 |