Call reports 2006
DYSART STATE BANK — 2006
What DYSART STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 10,408,000 | 10,268,000 | 10,159,000 | 9,960,000 |
| Total loans | 3,151,000 | 2,935,000 | 2,540,000 | 2,460,000 |
| Allowance for loan losses | 45,000 | 45,000 | 45,000 | 45,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 735,000 | 758,000 | 761,000 | 561,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,169,000 | 9,014,000 | 8,829,000 | 8,649,000 |
| Interest-bearing deposits | 6,215,000 | 5,896,000 | 6,118,000 | 6,193,000 |
| Noninterest-bearing deposits | 2,954,000 | 3,118,000 | 2,711,000 | 2,456,000 |
| Equity capital | 1,202,000 | 1,233,000 | 1,253,000 | 1,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 125,000 | 261,000 | 397,000 | 538,000 |
| Interest expense | 22,000 | 48,000 | 76,000 | 107,000 |
| Net interest income | 103,000 | 213,000 | 321,000 | 431,000 |
| Noninterest income | 15,000 | 25,000 | 37,000 | 51,000 |
| Noninterest expense | 127,000 | 196,000 | 276,000 | 363,000 |
| Provision for loan losses | 4,000 | 4,000 | 4,000 | 4,000 |
| Pretax income | -13,000 | 38,000 | 78,000 | 115,000 |
| Income tax | 0 | 0 | 0 | 5,000 |
| Net income | -13,000 | 38,000 | 78,000 | 110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,202,000 | 1,233,000 | 1,253,000 | 1,265,000 |
| Total capital | 1,247,000 | 1,278,000 | 1,298,000 | 1,310,000 |
| Risk-weighted assets | 5,747,000 | 5,276,000 | 5,691,000 | 5,086,000 |