Call reports 2007
DAIRYMAN'S STATE BANK — 2007
What DAIRYMAN'S STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 104,088,000 | 103,446,000 | 106,626,000 | 109,740,000 |
| Total loans | 58,962,000 | 57,783,000 | 60,521,000 | 61,538,000 |
| Allowance for loan losses | 725,000 | 671,000 | 665,000 | 500,000 |
| Securities available for sale | 33,971,000 | 33,833,000 | 34,296,000 | 34,970,000 |
| Securities held to maturity | 2,713,000 | 2,368,000 | 2,359,000 | 2,026,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,297,000 | 79,501,000 | 80,390,000 | 84,599,000 |
| Interest-bearing deposits | 68,292,000 | 66,826,000 | 67,301,000 | 69,839,000 |
| Noninterest-bearing deposits | 13,005,000 | 12,675,000 | 13,089,000 | 14,760,000 |
| Equity capital | 9,982,000 | 9,856,000 | 10,406,000 | 10,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,491,000 | 2,978,000 | 4,474,000 | 5,939,000 |
| Interest expense | 693,000 | 1,387,000 | 2,102,000 | 2,795,000 |
| Net interest income | 798,000 | 1,591,000 | 2,372,000 | 3,144,000 |
| Noninterest income | 116,000 | 255,000 | 438,000 | 544,000 |
| Noninterest expense | 791,000 | 1,555,000 | 2,260,000 | 2,846,000 |
| Provision for loan losses | 19,000 | 39,000 | 59,000 | 80,000 |
| Pretax income | 104,000 | 252,000 | 491,000 | 762,000 |
| Income tax | -32,000 | -40,000 | -18,000 | 8,000 |
| Net income | 136,000 | 292,000 | 509,000 | 754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,819,000 | 8,999,000 | 9,241,000 | 9,682,000 |
| Total capital | 9,544,000 | 9,670,000 | 9,906,000 | 10,182,000 |
| Risk-weighted assets | 71,419,000 | 71,091,000 | 74,290,000 | 75,145,000 |