Call reports 2005
DAKOTA HERITAGE STATE BANK — 2005
What DAKOTA HERITAGE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 31,625,000 | 31,117,000 | 31,363,000 | 33,803,000 |
| Total loans | 21,675,000 | 22,255,000 | 22,697,000 | 24,120,000 |
| Allowance for loan losses | 382,000 | 380,000 | 386,000 | 403,000 |
| Securities available for sale | 6,499,000 | 6,584,000 | 6,545,000 | 6,485,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,152,000 | 26,451,000 | 25,872,000 | 28,331,000 |
| Interest-bearing deposits | 24,216,000 | 23,516,000 | 22,893,000 | 23,839,000 |
| Noninterest-bearing deposits | 2,936,000 | 2,935,000 | 2,979,000 | 4,492,000 |
| Equity capital | 3,283,000 | 3,481,000 | 3,416,000 | 3,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 438,000 | 893,000 | 1,366,000 | 1,861,000 |
| Interest expense | 159,000 | 317,000 | 488,000 | 673,000 |
| Net interest income | 279,000 | 576,000 | 878,000 | 1,188,000 |
| Noninterest income | 32,000 | 76,000 | 118,000 | 168,000 |
| Noninterest expense | 210,000 | 429,000 | 655,000 | 935,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 32,000 |
| Pretax income | 101,000 | 223,000 | 326,000 | 389,000 |
| Income tax | 5,000 | 11,000 | 16,000 | 11,000 |
| Net income | 96,000 | 212,000 | 310,000 | 378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,401,000 | 3,517,000 | 3,489,000 | 3,557,000 |
| Total capital | 3,692,000 | 3,813,000 | 3,792,000 | 3,881,000 |
| Risk-weighted assets | 23,178,000 | 23,581,000 | 24,176,000 | 25,878,000 |