Call reports 2005
DICKINSON COUNTY BANK — 2005
What DICKINSON COUNTY 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 | 11,807,000 | 12,235,000 | 12,231,000 | 11,291,000 |
| Total loans | 6,117,000 | 6,162,000 | 6,226,000 | 6,119,000 |
| Allowance for loan losses | 159,000 | 169,000 | 122,000 | 155,000 |
| Securities available for sale | 3,507,000 | 3,757,000 | 3,717,000 | 3,727,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,506,000 | 10,612,000 | 10,010,000 | 9,900,000 |
| Interest-bearing deposits | 8,517,000 | 8,712,000 | 8,124,000 | 7,874,000 |
| Noninterest-bearing deposits | 1,989,000 | 1,900,000 | 1,886,000 | 2,026,000 |
| Equity capital | 1,263,000 | 1,348,000 | 1,341,000 | 1,299,000 |
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 | 148,000 | 298,000 | 454,000 | 612,000 |
| Interest expense | 38,000 | 77,000 | 121,000 | 172,000 |
| Net interest income | 110,000 | 221,000 | 333,000 | 440,000 |
| Noninterest income | 18,000 | 39,000 | 57,000 | 80,000 |
| Noninterest expense | 103,000 | 205,000 | 305,000 | 421,000 |
| Provision for loan losses | 28,000 | 28,000 | 28,000 | 63,000 |
| Pretax income | -3,000 | 27,000 | 57,000 | 36,000 |
| Income tax | 1,000 | 0 | 0 | 1,000 |
| Net income | -4,000 | 27,000 | 57,000 | 35,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,340,000 | 1,371,000 | 1,402,000 | 1,378,000 |
| Total capital | 1,409,000 | 1,449,000 | 1,473,000 | 1,446,000 |
| Risk-weighted assets | 5,446,000 | 6,145,000 | 5,668,000 | 5,390,000 |