Call reports 2005
DAIRYMAN'S STATE BANK — 2005
What DAIRYMAN'S 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 | 96,434,000 | 104,007,000 | 106,803,000 | 106,418,000 |
| Total loans | 51,009,000 | 55,055,000 | 58,753,000 | 58,245,000 |
| Allowance for loan losses | 739,000 | 750,000 | 635,000 | 648,000 |
| Securities available for sale | 30,771,000 | 35,329,000 | 34,790,000 | 33,539,000 |
| Securities held to maturity | 3,279,000 | 3,091,000 | 3,079,000 | 3,067,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,221,000 | 79,576,000 | 81,187,000 | 88,226,000 |
| Interest-bearing deposits | 68,203,000 | 65,974,000 | 67,116,000 | 70,490,000 |
| Noninterest-bearing deposits | 14,018,000 | 13,602,000 | 14,071,000 | 17,736,000 |
| Equity capital | 11,465,000 | 11,765,000 | 11,870,000 | 11,069,000 |
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 | 1,169,000 | 2,430,000 | 3,782,000 | 5,179,000 |
| Interest expense | 302,000 | 679,000 | 1,133,000 | 1,643,000 |
| Net interest income | 867,000 | 1,751,000 | 2,649,000 | 3,536,000 |
| Noninterest income | 120,000 | 248,000 | 380,000 | 589,000 |
| Noninterest expense | 839,000 | 1,695,000 | 2,552,000 | 3,395,000 |
| Provision for loan losses | 32,000 | 61,000 | 89,000 | 117,000 |
| Pretax income | 116,000 | 243,000 | 389,000 | 585,000 |
| Income tax | -18,000 | -31,000 | -46,000 | -58,000 |
| Net income | 134,000 | 274,000 | 435,000 | 643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,080,000 | 10,244,000 | 10,429,000 | 9,911,000 |
| Total capital | 10,819,000 | 10,994,000 | 11,064,000 | 10,559,000 |
| Risk-weighted assets | 62,501,000 | 68,773,000 | 71,776,000 | 71,885,000 |