Call reports 2002
DAKOTA HERITAGE STATE BANK — 2002
What DAKOTA HERITAGE STATE BANK 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 | 30,084,000 | 29,496,000 | 28,110,000 | 29,341,000 |
| Total loans | 16,651,000 | 18,450,000 | 18,205,000 | 17,290,000 |
| Allowance for loan losses | 329,000 | 329,000 | 338,000 | 343,000 |
| Securities available for sale | 8,941,000 | 7,578,000 | 4,786,000 | 6,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,360,000 | 23,898,000 | 23,806,000 | 25,032,000 |
| Interest-bearing deposits | 22,614,000 | 21,914,000 | 21,810,000 | 23,006,000 |
| Noninterest-bearing deposits | 1,746,000 | 1,984,000 | 1,996,000 | 2,026,000 |
| Equity capital | 3,232,000 | 3,425,000 | 3,353,000 | 3,377,000 |
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 | 453,000 | 943,000 | 1,389,000 | 1,824,000 |
| Interest expense | 282,000 | 552,000 | 777,000 | 990,000 |
| Net interest income | 171,000 | 391,000 | 612,000 | 834,000 |
| Noninterest income | 17,000 | 42,000 | 68,000 | 109,000 |
| Noninterest expense | 172,000 | 352,000 | 553,000 | 754,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 35,000 |
| Pretax income | 16,000 | 81,000 | 163,000 | 200,000 |
| Income tax | 1,000 | 4,000 | 8,000 | 10,000 |
| Net income | 15,000 | 77,000 | 155,000 | 190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,272,000 | 3,334,000 | 3,302,000 | 3,337,000 |
| Total capital | 3,509,000 | 3,585,000 | 3,550,000 | 3,582,000 |
| Risk-weighted assets | 18,836,000 | 20,036,000 | 19,739,000 | 19,475,000 |