Call reports 2004
DAIRYMAN'S STATE BANK — 2004
What DAIRYMAN'S 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 | 96,640,000 | 95,540,000 | 98,777,000 | 99,354,000 |
| Total loans | 60,374,000 | 56,382,000 | 54,277,000 | 50,458,000 |
| Allowance for loan losses | 896,000 | 751,000 | 740,000 | 708,000 |
| Securities available for sale | 22,426,000 | 22,574,000 | 29,747,000 | 31,054,000 |
| Securities held to maturity | 3,333,000 | 3,319,000 | 3,305,000 | 3,292,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,322,000 | 83,245,000 | 85,682,000 | 86,486,000 |
| Interest-bearing deposits | 69,831,000 | 70,041,000 | 70,315,000 | 70,643,000 |
| Noninterest-bearing deposits | 13,491,000 | 13,204,000 | 15,367,000 | 15,843,000 |
| Equity capital | 11,835,000 | 11,493,000 | 12,052,000 | 11,528,000 |
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 | 1,309,000 | 2,588,000 | 3,818,000 | 5,039,000 |
| Interest expense | 305,000 | 598,000 | 901,000 | 1,203,000 |
| Net interest income | 1,004,000 | 1,990,000 | 2,917,000 | 3,836,000 |
| Noninterest income | 195,000 | 368,000 | 523,000 | 669,000 |
| Noninterest expense | 860,000 | 1,717,000 | 2,584,000 | 3,417,000 |
| Provision for loan losses | 27,000 | 61,000 | 79,000 | 101,000 |
| Pretax income | 312,000 | 598,000 | 808,000 | 1,018,000 |
| Income tax | 59,000 | 107,000 | 130,000 | 161,000 |
| Net income | 253,000 | 491,000 | 678,000 | 857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,857,000 | 10,121,000 | 10,335,000 | 9,920,000 |
| Total capital | 10,703,000 | 10,872,000 | 11,075,000 | 10,628,000 |
| Risk-weighted assets | 67,590,000 | 65,759,000 | 65,301,000 | 63,124,000 |