Call reports 2004
SECURITY FIRST BANK OF NORTH DAKOTA — 2004
What SECURITY FIRST BANK OF NORTH DAKOTA 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 | 71,408,000 | 71,137,000 | 72,192,000 | 75,740,000 |
| Total loans | 55,361,000 | 58,225,000 | 59,440,000 | 61,338,000 |
| Allowance for loan losses | 1,073,000 | 1,091,000 | 1,091,000 | 1,091,000 |
| Securities available for sale | 3,946,000 | 3,595,000 | 3,800,000 | 3,529,000 |
| Securities held to maturity | 904,000 | 883,000 | 865,000 | 848,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,329,000 | 61,783,000 | 59,956,000 | 65,069,000 |
| Interest-bearing deposits | 54,157,000 | 54,989,000 | 53,293,000 | 55,925,000 |
| Noninterest-bearing deposits | 8,172,000 | 6,794,000 | 6,663,000 | 9,144,000 |
| Equity capital | 6,776,000 | 6,938,000 | 7,181,000 | 7,263,000 |
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 | 984,000 | 2,012,000 | 3,091,000 | 4,196,000 |
| Interest expense | 238,000 | 485,000 | 747,000 | 1,003,000 |
| Net interest income | 746,000 | 1,527,000 | 2,344,000 | 3,193,000 |
| Noninterest income | 102,000 | 214,000 | 310,000 | 401,000 |
| Noninterest expense | 526,000 | 1,077,000 | 1,628,000 | 2,302,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 307,000 | 634,000 | 989,000 | 1,255,000 |
| Income tax | 96,000 | 204,000 | 330,000 | 412,000 |
| Net income | 211,000 | 430,000 | 659,000 | 843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,735,000 | 6,938,000 | 7,151,000 | 7,243,000 |
| Total capital | 7,500,000 | 7,711,000 | 7,949,000 | 8,080,000 |
| Risk-weighted assets | 60,866,000 | 61,519,000 | 63,538,000 | 66,716,000 |