Call reports 2008
DYSART STATE BANK — 2008
What DYSART STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 9,747,000 | 9,984,000 | 9,613,000 | 9,777,000 |
| Total loans | 2,209,000 | 2,392,000 | 2,781,000 | 3,271,000 |
| Allowance for loan losses | 11,000 | 11,000 | 13,000 | 15,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 539,000 | 450,000 | 350,000 | 350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,468,000 | 8,702,000 | 8,323,000 | 8,503,000 |
| Interest-bearing deposits | 5,820,000 | 6,140,000 | 5,654,000 | 5,865,000 |
| Noninterest-bearing deposits | 2,648,000 | 2,562,000 | 2,669,000 | 2,638,000 |
| Equity capital | 1,249,000 | 1,249,000 | 1,266,000 | 1,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 129,000 | 225,000 | 327,000 | 421,000 |
| Interest expense | 28,000 | 50,000 | 71,000 | 90,000 |
| Net interest income | 101,000 | 175,000 | 256,000 | 331,000 |
| Noninterest income | 16,000 | 29,000 | 43,000 | 56,000 |
| Noninterest expense | 88,000 | 164,000 | 239,000 | 365,000 |
| Provision for loan losses | -3,000 | -3,000 | -1,000 | 1,000 |
| Pretax income | 32,000 | 43,000 | 61,000 | 21,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 0 |
| Net income | 31,000 | 41,000 | 58,000 | 21,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,249,000 | 1,249,000 | 1,266,000 | 1,224,000 |
| Total capital | 1,260,000 | 1,260,000 | 1,279,000 | 1,239,000 |
| Risk-weighted assets | 4,927,000 | 4,856,000 | 5,275,000 | 5,468,000 |