Call reports 2003
DAIRYMAN'S STATE BANK — 2003
What DAIRYMAN'S STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 97,267,000 | 98,354,000 | 97,109,000 | 100,588,000 |
| Total loans | 61,672,000 | 62,092,000 | 61,176,000 | 61,637,000 |
| Allowance for loan losses | 885,000 | 903,000 | 916,000 | 868,000 |
| Securities available for sale | 17,481,000 | 20,566,000 | 19,376,000 | 20,644,000 |
| Securities held to maturity | 7,846,000 | 6,572,000 | 4,967,000 | 4,516,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,269,000 | 85,591,000 | 84,110,000 | 88,120,000 |
| Interest-bearing deposits | 73,241,000 | 72,967,000 | 71,956,000 | 74,057,000 |
| Noninterest-bearing deposits | 12,028,000 | 12,624,000 | 12,154,000 | 14,063,000 |
| Equity capital | 11,196,000 | 11,588,000 | 11,638,000 | 11,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,464,000 | 2,863,000 | 4,255,000 | 5,632,000 |
| Interest expense | 440,000 | 846,000 | 1,212,000 | 1,546,000 |
| Net interest income | 1,024,000 | 2,017,000 | 3,043,000 | 4,086,000 |
| Noninterest income | 216,000 | 488,000 | 741,000 | 908,000 |
| Noninterest expense | 857,000 | 1,725,000 | 2,560,000 | 3,427,000 |
| Provision for loan losses | 21,000 | 40,000 | 56,000 | 114,000 |
| Pretax income | 362,000 | 740,000 | 1,168,000 | 1,453,000 |
| Income tax | 87,000 | 181,000 | 285,000 | 338,000 |
| Net income | 275,000 | 559,000 | 883,000 | 1,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,281,000 | 9,521,000 | 9,873,000 | 9,632,000 |
| Total capital | 10,135,000 | 10,397,000 | 10,734,000 | 10,498,000 |
| Risk-weighted assets | 68,260,000 | 70,049,000 | 68,800,000 | 69,151,000 |