Call reports 2002
DACOTAH BANK - VALLEY CITY — 2002
What DACOTAH BANK - VALLEY CITY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 83,497,000 | 82,977,000 | 83,655,000 | 87,207,000 |
| Total loans | 48,721,000 | 53,608,000 | 55,937,000 | 54,696,000 |
| Allowance for loan losses | 1,520,000 | 1,603,000 | 1,664,000 | 1,702,000 |
| Securities available for sale | 23,696,000 | 17,726,000 | 15,915,000 | 18,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,046,000 | 70,193,000 | 70,642,000 | 74,083,000 |
| Interest-bearing deposits | 62,534,000 | 59,583,000 | 58,966,000 | 61,933,000 |
| Noninterest-bearing deposits | 8,512,000 | 10,610,000 | 11,676,000 | 12,150,000 |
| Equity capital | 11,903,000 | 12,269,000 | 12,476,000 | 12,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,271,000 | 2,545,000 | 3,801,000 | 5,073,000 |
| Interest expense | 505,000 | 966,000 | 1,427,000 | 1,874,000 |
| Net interest income | 766,000 | 1,579,000 | 2,374,000 | 3,199,000 |
| Noninterest income | 73,000 | 205,000 | 362,000 | 485,000 |
| Noninterest expense | 617,000 | 1,239,000 | 1,897,000 | 2,668,000 |
| Provision for loan losses | 37,000 | 75,000 | 112,000 | 150,000 |
| Pretax income | 185,000 | 480,000 | 737,000 | 876,000 |
| Income tax | 104,000 | 253,000 | 392,000 | 488,000 |
| Net income | 81,000 | 227,000 | 345,000 | 388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,005,000 | 8,211,000 | 8,378,000 | 8,457,000 |
| Total capital | 8,660,000 | 8,926,000 | 9,098,000 | 9,179,000 |
| Risk-weighted assets | 51,563,000 | 56,191,000 | 56,673,000 | 56,750,000 |