Call reports 2009
DAKOTA HERITAGE STATE BANK — 2009
What DAKOTA HERITAGE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 37,723,000 | 35,558,000 | 35,158,000 | 35,504,000 |
| Total loans | 27,586,000 | 27,689,000 | 28,509,000 | 27,361,000 |
| Allowance for loan losses | 338,000 | 385,000 | 455,000 | 477,000 |
| Securities available for sale | 4,678,000 | 4,033,000 | 3,940,000 | 1,810,000 |
| Securities held to maturity | 1,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,115,000 | 30,241,000 | 29,766,000 | 30,103,000 |
| Interest-bearing deposits | 26,425,000 | 26,609,000 | 26,037,000 | 25,438,000 |
| Noninterest-bearing deposits | 4,690,000 | 3,632,000 | 3,729,000 | 4,665,000 |
| Equity capital | 4,058,000 | 3,925,000 | 4,022,000 | 4,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 518,000 | 1,018,000 | 1,533,000 | 2,029,000 |
| Interest expense | 237,000 | 461,000 | 670,000 | 869,000 |
| Net interest income | 281,000 | 557,000 | 863,000 | 1,160,000 |
| Noninterest income | 35,000 | 92,000 | 185,000 | 247,000 |
| Noninterest expense | 243,000 | 507,000 | 752,000 | 1,042,000 |
| Provision for loan losses | 0 | 133,000 | 199,000 | 221,000 |
| Pretax income | 73,000 | 9,000 | 97,000 | 174,000 |
| Income tax | 2,000 | 4,000 | 4,000 | 7,000 |
| Net income | 71,000 | 5,000 | 93,000 | 167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,993,000 | 3,862,000 | 3,950,000 | 4,024,000 |
| Total capital | 4,331,000 | 4,223,000 | 4,343,000 | 4,372,000 |
| Risk-weighted assets | 28,918,000 | 28,861,000 | 31,381,000 | 27,687,000 |