Call reports 2004
DYSART STATE BANK — 2004
What DYSART 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 | 12,107,000 | 11,716,000 | 11,487,000 | 11,662,000 |
| Total loans | 3,100,000 | 2,819,000 | 3,086,000 | 3,121,000 |
| Allowance for loan losses | 45,000 | 45,000 | 45,000 | 45,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 832,000 | 827,000 | 922,000 | 917,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,426,000 | 10,104,000 | 9,932,000 | 10,424,000 |
| Interest-bearing deposits | 7,368,000 | 7,399,000 | 7,104,000 | 7,279,000 |
| Noninterest-bearing deposits | 3,058,000 | 2,705,000 | 2,828,000 | 3,145,000 |
| Equity capital | 1,568,000 | 1,577,000 | 1,507,000 | 1,203,000 |
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 | 101,000 | 184,000 | 275,000 | 361,000 |
| Interest expense | 17,000 | 32,000 | 49,000 | 67,000 |
| Net interest income | 84,000 | 152,000 | 226,000 | 294,000 |
| Noninterest income | 14,000 | 28,000 | 41,000 | 56,000 |
| Noninterest expense | 114,000 | 188,000 | 265,000 | 347,000 |
| Provision for loan losses | 9,000 | 8,000 | 8,000 | 7,000 |
| Pretax income | -25,000 | -16,000 | -6,000 | -4,000 |
| Income tax | 0 | 0 | 0 | -12,000 |
| Net income | -25,000 | -16,000 | -6,000 | 8,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,568,000 | 1,577,000 | 1,507,000 | 1,203,000 |
| Total capital | 1,613,000 | 1,622,000 | 1,552,000 | 1,248,000 |
| Risk-weighted assets | 6,129,000 | 5,792,000 | 5,592,000 | 5,654,000 |