Call reports 2003
BANK OF DYER — 2003
What BANK OF DYER 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 | 50,035,000 | 50,381,000 | 49,666,000 | 48,122,000 |
| Total loans | 31,993,000 | 30,179,000 | 26,997,000 | 24,752,000 |
| Allowance for loan losses | 908,000 | 1,112,000 | 839,000 | 640,000 |
| Securities available for sale | 9,844,000 | 12,552,000 | 15,048,000 | 16,407,000 |
| Securities held to maturity | 505,000 | 1,285,000 | 1,413,000 | 1,413,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,152,000 | 36,609,000 | 35,789,000 | 34,432,000 |
| Interest-bearing deposits | 32,391,000 | 32,400,000 | 31,917,000 | 30,601,000 |
| Noninterest-bearing deposits | 3,761,000 | 4,209,000 | 3,872,000 | 3,831,000 |
| Equity capital | 3,752,000 | 3,626,000 | 3,496,000 | 3,515,000 |
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 | 699,000 | 1,392,000 | 2,050,000 | 2,686,000 |
| Interest expense | 265,000 | 518,000 | 737,000 | 939,000 |
| Net interest income | 434,000 | 874,000 | 1,313,000 | 1,747,000 |
| Noninterest income | 103,000 | 166,000 | 249,000 | 321,000 |
| Noninterest expense | 568,000 | 1,121,000 | 1,694,000 | 2,254,000 |
| Provision for loan losses | 20,000 | 409,000 | 409,000 | 419,000 |
| Pretax income | -37,000 | -483,000 | -504,000 | -568,000 |
| Income tax | -12,000 | -183,000 | -193,000 | -221,000 |
| Net income | -25,000 | -300,000 | -311,000 | -347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,738,000 | 3,577,000 | 3,564,000 | 3,527,000 |
| Total capital | 4,175,000 | 3,986,000 | 3,933,000 | 3,872,000 |
| Risk-weighted assets | 34,515,000 | 32,035,000 | 29,088,000 | 27,302,000 |