Call reports 2005
DUTTON STATE BANK — 2005
What DUTTON 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 | 20,790,000 | 20,957,000 | 21,402,000 | 23,784,000 |
| Total loans | 11,195,000 | 12,070,000 | 12,518,000 | 11,688,000 |
| Allowance for loan losses | 175,000 | 182,000 | 189,000 | 193,000 |
| Securities available for sale | 6,604,000 | 5,835,000 | 5,395,000 | 6,103,000 |
| Securities held to maturity | 1,728,000 | 1,728,000 | 1,577,000 | 1,691,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,738,000 | 18,561,000 | 19,195,000 | 21,498,000 |
| Interest-bearing deposits | 14,456,000 | 14,528,000 | 14,174,000 | 16,138,000 |
| Noninterest-bearing deposits | 4,282,000 | 4,033,000 | 5,021,000 | 5,360,000 |
| Equity capital | 1,845,000 | 1,942,000 | 2,018,000 | 2,083,000 |
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 | 262,000 | 540,000 | 852,000 | 1,171,000 |
| Interest expense | 73,000 | 151,000 | 234,000 | 322,000 |
| Net interest income | 189,000 | 389,000 | 618,000 | 849,000 |
| Noninterest income | 24,000 | 53,000 | 78,000 | 103,000 |
| Noninterest expense | 128,000 | 237,000 | 372,000 | 503,000 |
| Provision for loan losses | 6,000 | 52,000 | 58,000 | 62,000 |
| Pretax income | 79,000 | 153,000 | 266,000 | 387,000 |
| Income tax | 27,000 | 53,000 | 78,000 | 127,000 |
| Net income | 52,000 | 100,000 | 188,000 | 260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,899,000 | 1,972,000 | 2,060,000 | 2,132,000 |
| Total capital | 2,058,000 | 2,141,000 | 2,236,000 | 2,305,000 |
| Risk-weighted assets | 12,674,000 | 13,512,000 | 14,036,000 | 13,853,000 |