Call reports 2004
DAKOTA HERITAGE STATE BANK — 2004
What DAKOTA HERITAGE STATE BANK 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 | 30,564,000 | 30,263,000 | 30,328,000 | 32,992,000 |
| Total loans | 18,975,000 | 20,062,000 | 21,252,000 | 21,743,000 |
| Allowance for loan losses | 318,000 | 364,000 | 376,000 | 382,000 |
| Securities available for sale | 6,704,000 | 6,545,000 | 6,678,000 | 6,657,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,174,000 | 25,798,000 | 25,218,000 | 28,341,000 |
| Interest-bearing deposits | 23,299,000 | 22,779,000 | 22,508,000 | 24,938,000 |
| Noninterest-bearing deposits | 2,875,000 | 3,019,000 | 2,710,000 | 3,403,000 |
| Equity capital | 3,409,000 | 3,235,000 | 3,375,000 | 3,436,000 |
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 | 391,000 | 802,000 | 1,229,000 | 1,668,000 |
| Interest expense | 150,000 | 295,000 | 445,000 | 603,000 |
| Net interest income | 241,000 | 507,000 | 784,000 | 1,065,000 |
| Noninterest income | 30,000 | 67,000 | 103,000 | 145,000 |
| Noninterest expense | 207,000 | 403,000 | 608,000 | 844,000 |
| Provision for loan losses | 0 | 45,000 | 57,000 | 64,000 |
| Pretax income | 64,000 | 126,000 | 222,000 | 302,000 |
| Income tax | 3,000 | 7,000 | 10,000 | 11,000 |
| Net income | 61,000 | 119,000 | 212,000 | 291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,395,000 | 3,373,000 | 3,385,000 | 3,465,000 |
| Total capital | 3,656,000 | 3,644,000 | 3,669,000 | 3,761,000 |
| Risk-weighted assets | 20,804,000 | 21,556,000 | 22,592,000 | 23,632,000 |