Call reports 2007
DAKOTA HERITAGE STATE BANK — 2007
What DAKOTA HERITAGE STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 37,717,000 | 37,922,000 | 38,776,000 | 38,327,000 |
| Total loans | 28,206,000 | 29,000,000 | 28,740,000 | 28,945,000 |
| Allowance for loan losses | 356,000 | 359,000 | 353,000 | 332,000 |
| Securities available for sale | 6,433,000 | 6,437,000 | 6,437,000 | 5,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,686,000 | 29,457,000 | 30,800,000 | 31,528,000 |
| Interest-bearing deposits | 25,721,000 | 25,721,000 | 26,294,000 | 26,710,000 |
| Noninterest-bearing deposits | 3,965,000 | 3,736,000 | 4,506,000 | 4,818,000 |
| Equity capital | 3,674,000 | 3,638,000 | 3,640,000 | 3,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 599,000 | 1,225,000 | 1,869,000 | 2,501,000 |
| Interest expense | 295,000 | 607,000 | 932,000 | 1,261,000 |
| Net interest income | 304,000 | 618,000 | 937,000 | 1,240,000 |
| Noninterest income | 34,000 | 78,000 | 116,000 | 177,000 |
| Noninterest expense | 244,000 | 487,000 | 731,000 | 1,052,000 |
| Provision for loan losses | 6,000 | 6,000 | 13,000 | 13,000 |
| Pretax income | 88,000 | 203,000 | 309,000 | 352,000 |
| Income tax | 4,000 | 10,000 | 14,000 | 17,000 |
| Net income | 84,000 | 193,000 | 295,000 | 335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,739,000 | 3,698,000 | 3,700,000 | 3,740,000 |
| Total capital | 3,999,000 | 4,057,000 | 4,053,000 | 4,072,000 |
| Risk-weighted assets | 29,133,000 | 29,663,000 | 29,716,000 | 29,834,000 |