Call reports 2004
DICKINSON COUNTY BANK — 2004
What DICKINSON COUNTY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 11,497,000 | 11,717,000 | 12,040,000 | 11,957,000 |
| Total loans | 5,333,000 | 5,924,000 | 6,344,000 | 6,329,000 |
| Allowance for loan losses | 121,000 | 120,000 | 132,000 | 131,000 |
| Securities available for sale | 3,820,000 | 3,520,000 | 3,774,000 | 3,676,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,983,000 | 9,540,000 | 10,101,000 | 10,358,000 |
| Interest-bearing deposits | 8,379,000 | 7,751,000 | 8,274,000 | 8,614,000 |
| Noninterest-bearing deposits | 1,604,000 | 1,789,000 | 1,828,000 | 1,744,000 |
| Equity capital | 1,446,000 | 1,393,000 | 1,498,000 | 1,481,000 |
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 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 142,000 | 282,000 | 433,000 | 585,000 |
| Interest expense | 35,000 | 69,000 | 104,000 | 140,000 |
| Net interest income | 107,000 | 213,000 | 329,000 | 445,000 |
| Noninterest income | 18,000 | 32,000 | 50,000 | 67,000 |
| Noninterest expense | 87,000 | 167,000 | 233,000 | 332,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 32,000 |
| Pretax income | 38,000 | 78,000 | 136,000 | 148,000 |
| Income tax | 1,000 | 2,000 | 4,000 | 7,000 |
| Net income | 37,000 | 76,000 | 132,000 | 141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,389,000 | 1,429,000 | 1,484,000 | 1,494,000 |
| Total capital | 1,456,000 | 1,502,000 | 1,553,000 | 1,565,000 |
| Risk-weighted assets | 5,301,000 | 5,760,000 | 5,479,000 | 5,594,000 |