Call reports 2004
DACOTAH BANK - VALLEY CITY — 2004
What DACOTAH BANK - VALLEY CITY 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 | 96,037,000 | 95,676,000 | 99,138,000 | 97,545,000 |
| Total loans | 58,444,000 | 62,755,000 | 67,276,000 | 66,245,000 |
| Allowance for loan losses | 2,049,000 | 2,048,000 | 2,042,000 | 2,047,000 |
| Securities available for sale | 25,358,000 | 25,727,000 | 22,901,000 | 20,713,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,262,000 | 78,733,000 | 75,684,000 | 79,607,000 |
| Interest-bearing deposits | 71,162,000 | 66,971,000 | 63,496,000 | 64,153,000 |
| Noninterest-bearing deposits | 11,100,000 | 11,762,000 | 12,188,000 | 15,454,000 |
| Equity capital | 13,024,000 | 12,993,000 | 13,457,000 | 13,600,000 |
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 | 1,199,000 | 2,429,000 | 3,703,000 | 5,005,000 |
| Interest expense | 327,000 | 641,000 | 982,000 | 1,340,000 |
| Net interest income | 872,000 | 1,788,000 | 2,721,000 | 3,665,000 |
| Noninterest income | 177,000 | 402,000 | 570,000 | 760,000 |
| Noninterest expense | 615,000 | 1,263,000 | 1,841,000 | 2,558,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 419,000 | 912,000 | 1,435,000 | 1,851,000 |
| Income tax | 170,000 | 371,000 | 590,000 | 780,000 |
| Net income | 249,000 | 541,000 | 845,000 | 1,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,114,000 | 9,441,000 | 9,776,000 | 10,039,000 |
| Total capital | 9,896,000 | 10,257,000 | 10,649,000 | 10,892,000 |
| Risk-weighted assets | 61,180,000 | 64,017,000 | 68,674,000 | 67,035,000 |