Call reports 2004
BANK OF DYER — 2004
What BANK OF DYER reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Total assets | 47,067,000 | 39,973,000 | 39,390,000 |
| Total loans | 23,617,000 | 18,566,000 | 15,988,000 |
| Allowance for loan losses | 581,000 | 533,000 | 660,000 |
| Securities available for sale | 15,950,000 | 14,187,000 | 13,830,000 |
| Securities held to maturity | 1,412,000 | 1,412,000 | 1,412,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 33,468,000 | 27,976,000 | 27,390,000 |
| Interest-bearing deposits | 29,348,000 | 24,059,000 | 23,537,000 |
| Noninterest-bearing deposits | 4,120,000 | 3,917,000 | 3,853,000 |
| Equity capital | 3,496,000 | 3,016,000 | 3,033,000 |
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 |
|---|---|---|---|
| Interest income | 631,000 | 1,162,000 | 1,624,000 |
| Interest expense | 189,000 | 365,000 | 540,000 |
| Net interest income | 442,000 | 797,000 | 1,084,000 |
| Noninterest income | 74,000 | 191,000 | 251,000 |
| Noninterest expense | 620,000 | 1,204,000 | 1,743,000 |
| Provision for loan losses | 35,000 | 253,000 | 367,000 |
| Pretax income | -122,000 | -452,000 | -759,000 |
| Income tax | -51,000 | -181,000 | -303,000 |
| Net income | -71,000 | -271,000 | -456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Tier 1 capital | 3,457,000 | 3,255,000 | 3,071,000 |
| Total capital | 3,786,000 | 3,518,000 | 3,307,000 |
| Risk-weighted assets | 26,058,000 | 20,793,000 | 18,507,000 |