Call reports 2005
DYSART STATE BANK — 2005
What DYSART 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 | 11,228,000 | 10,616,000 | 10,010,000 | 11,214,000 |
| Total loans | 2,844,000 | 2,761,000 | 2,743,000 | 2,688,000 |
| Allowance for loan losses | 45,000 | 45,000 | 45,000 | 45,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 912,000 | 935,000 | 835,000 | 735,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,027,000 | 9,374,000 | 8,768,000 | 9,959,000 |
| Interest-bearing deposits | 6,898,000 | 6,614,000 | 6,101,000 | 6,252,000 |
| Noninterest-bearing deposits | 3,129,000 | 2,760,000 | 2,667,000 | 3,707,000 |
| Equity capital | 1,166,000 | 1,176,000 | 1,189,000 | 1,215,000 |
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 | 88,000 | 179,000 | 277,000 | 393,000 |
| Interest expense | 18,000 | 38,000 | 58,000 | 81,000 |
| Net interest income | 70,000 | 141,000 | 219,000 | 312,000 |
| Noninterest income | 16,000 | 31,000 | 45,000 | 59,000 |
| Noninterest expense | 121,000 | 192,000 | 264,000 | 347,000 |
| Provision for loan losses | 0 | 0 | 7,000 | 5,000 |
| Pretax income | -35,000 | -20,000 | -7,000 | 19,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -35,000 | -20,000 | -7,000 | 19,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,166,000 | 1,176,000 | 1,189,000 | 1,215,000 |
| Total capital | 1,211,000 | 1,221,000 | 1,234,000 | 1,260,000 |
| Risk-weighted assets | 5,550,000 | 5,240,000 | 5,338,000 | 5,929,000 |