Call reports 2003
DACOTAH BANK - VALLEY CITY — 2003
What DACOTAH BANK - VALLEY CITY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 85,520,000 | 86,719,000 | 89,221,000 | 94,939,000 |
| Total loans | 56,609,000 | 61,487,000 | 61,256,000 | 60,330,000 |
| Allowance for loan losses | 1,818,000 | 1,997,000 | 1,994,000 | 2,010,000 |
| Securities available for sale | 19,955,000 | 15,874,000 | 16,969,000 | 22,349,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,651,000 | 73,627,000 | 75,987,000 | 81,305,000 |
| Interest-bearing deposits | 63,233,000 | 63,900,000 | 64,715,000 | 68,634,000 |
| Noninterest-bearing deposits | 9,418,000 | 9,727,000 | 11,272,000 | 12,671,000 |
| Equity capital | 12,222,000 | 12,529,000 | 12,702,000 | 12,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,228,000 | 2,584,000 | 3,796,000 | 5,024,000 |
| Interest expense | 418,000 | 821,000 | 1,202,000 | 1,555,000 |
| Net interest income | 810,000 | 1,763,000 | 2,594,000 | 3,469,000 |
| Noninterest income | 159,000 | 306,000 | 494,000 | 659,000 |
| Noninterest expense | 611,000 | 1,194,000 | 1,827,000 | 2,500,000 |
| Provision for loan losses | 30,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 328,000 | 835,000 | 1,221,000 | 1,588,000 |
| Income tax | 144,000 | 358,000 | 550,000 | 724,000 |
| Net income | 184,000 | 477,000 | 671,000 | 864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,188,000 | 8,506,000 | 8,811,000 | 9,036,000 |
| Total capital | 8,885,000 | 9,281,000 | 9,597,000 | 9,833,000 |
| Risk-weighted assets | 54,585,000 | 60,811,000 | 61,644,000 | 62,515,000 |