Call reports 2005
DAKOTA STATE BANK — 2005
What DAKOTA 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 | 24,980,000 | 25,368,000 | 25,699,000 | 26,252,000 |
| Total loans | 15,852,000 | 16,346,000 | 16,962,000 | 16,719,000 |
| Allowance for loan losses | 205,000 | 210,000 | 211,000 | 209,000 |
| Securities available for sale | 6,277,000 | 6,755,000 | 5,960,000 | 6,201,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,074,000 | 20,327,000 | 19,698,000 | 19,926,000 |
| Interest-bearing deposits | 17,089,000 | 16,428,000 | 16,065,000 | 15,480,000 |
| Noninterest-bearing deposits | 3,985,000 | 3,899,000 | 3,633,000 | 4,446,000 |
| Equity capital | 2,111,000 | 2,355,000 | 2,378,000 | 2,402,000 |
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 | 424,000 | 931,000 | 1,378,000 | 1,789,000 |
| Interest expense | 82,000 | 177,000 | 283,000 | 397,000 |
| Net interest income | 342,000 | 754,000 | 1,095,000 | 1,392,000 |
| Noninterest income | 18,000 | 44,000 | 65,000 | 80,000 |
| Noninterest expense | 252,000 | 540,000 | 820,000 | 1,080,000 |
| Provision for loan losses | 25,000 | 2,000 | 2,000 | 2,000 |
| Pretax income | 83,000 | 256,000 | 338,000 | 390,000 |
| Income tax | 3,000 | 5,000 | 8,000 | 15,000 |
| Net income | 80,000 | 251,000 | 330,000 | 375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,218,000 | 2,389,000 | 2,469,000 | 2,514,000 |
| Total capital | 2,423,000 | 2,599,000 | 2,680,000 | 2,723,000 |
| Risk-weighted assets | 18,569,000 | 19,337,000 | 19,901,000 | 20,041,000 |
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