Call reports 2006
DAKOTA HERITAGE STATE BANK — 2006
What DAKOTA HERITAGE STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 33,719,000 | 34,751,000 | 36,121,000 | 36,701,000 |
| Total loans | 24,003,000 | 26,162,000 | 27,040,000 | 27,801,000 |
| Allowance for loan losses | 402,000 | 339,000 | 344,000 | 350,000 |
| Securities available for sale | 6,458,000 | 6,414,000 | 6,390,000 | 6,412,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,316,000 | 27,614,000 | 28,829,000 | 29,050,000 |
| Interest-bearing deposits | 23,981,000 | 23,898,000 | 24,828,000 | 24,701,000 |
| Noninterest-bearing deposits | 4,335,000 | 3,716,000 | 4,001,000 | 4,349,000 |
| Equity capital | 3,498,000 | 3,407,000 | 3,486,000 | 3,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 502,000 | 1,042,000 | 1,611,000 | 2,215,000 |
| Interest expense | 204,000 | 434,000 | 693,000 | 971,000 |
| Net interest income | 298,000 | 608,000 | 918,000 | 1,244,000 |
| Noninterest income | 39,000 | 84,000 | 126,000 | 170,000 |
| Noninterest expense | 234,000 | 469,000 | 699,000 | 995,000 |
| Provision for loan losses | 2,000 | 16,000 | 21,000 | 40,000 |
| Pretax income | 101,000 | 207,000 | 324,000 | 379,000 |
| Income tax | 5,000 | 10,000 | 16,000 | 7,000 |
| Net income | 96,000 | 197,000 | 308,000 | 372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,653,000 | 3,604,000 | 3,596,000 | 3,655,000 |
| Total capital | 3,974,000 | 3,943,000 | 3,940,000 | 4,005,000 |
| Risk-weighted assets | 25,594,000 | 27,272,000 | 28,178,000 | 28,518,000 |