Call reports 2005
SECURITY FIRST BANK OF NORTH DAKOTA — 2005
What SECURITY FIRST BANK OF NORTH DAKOTA 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 | 76,475,000 | 79,517,000 | 83,651,000 | 87,185,000 |
| Total loans | 62,962,000 | 67,133,000 | 71,287,000 | 72,323,000 |
| Allowance for loan losses | 1,091,000 | 1,144,000 | 1,144,000 | 1,012,000 |
| Securities available for sale | 4,000,000 | 3,622,000 | 3,366,000 | 3,216,000 |
| Securities held to maturity | 800,000 | 786,000 | 762,000 | 751,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,841,000 | 65,955,000 | 68,965,000 | 73,674,000 |
| Interest-bearing deposits | 55,799,000 | 56,366,000 | 59,726,000 | 63,423,000 |
| Noninterest-bearing deposits | 8,042,000 | 9,589,000 | 9,239,000 | 10,251,000 |
| Equity capital | 7,428,000 | 7,688,000 | 7,959,000 | 8,234,000 |
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 | 1,107,000 | 2,330,000 | 3,657,000 | 5,099,000 |
| Interest expense | 268,000 | 571,000 | 936,000 | 1,343,000 |
| Net interest income | 839,000 | 1,759,000 | 2,721,000 | 3,756,000 |
| Noninterest income | 83,000 | 179,000 | 278,000 | 368,000 |
| Noninterest expense | 632,000 | 1,298,000 | 1,970,000 | 2,715,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 290,000 | 640,000 | 1,025,000 | 1,405,000 |
| Income tax | 97,000 | 187,000 | 277,000 | 368,000 |
| Net income | 193,000 | 453,000 | 748,000 | 1,037,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,435,000 | 7,679,000 | 7,959,000 | 8,220,000 |
| Total capital | 8,283,000 | 8,577,000 | 8,900,000 | 9,190,000 |
| Risk-weighted assets | 67,619,000 | 71,616,000 | 75,085,000 | 77,290,000 |