Call reports 2003
RELIABANK DAKOTA — 2003
What RELIABANK DAKOTA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 98,845,000 | 101,045,000 | 102,995,000 | 104,079,000 |
| Total loans | 74,700,000 | 78,865,000 | 77,956,000 | 75,053,000 |
| Allowance for loan losses | 1,180,000 | 1,196,000 | 1,202,000 | 1,133,000 |
| Securities available for sale | 14,558,000 | 14,774,000 | 13,637,000 | 15,569,000 |
| Securities held to maturity | 535,000 | 360,000 | 340,000 | 291,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,846,000 | 80,782,000 | 83,218,000 | 86,571,000 |
| Interest-bearing deposits | 74,441,000 | 72,591,000 | 74,421,000 | 75,994,000 |
| Noninterest-bearing deposits | 8,405,000 | 8,191,000 | 8,797,000 | 10,577,000 |
| Equity capital | 8,002,000 | 8,072,000 | 8,320,000 | 8,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,532,000 | 3,134,000 | 4,744,000 | 6,374,000 |
| Interest expense | 697,000 | 1,375,000 | 1,992,000 | 2,623,000 |
| Net interest income | 835,000 | 1,759,000 | 2,752,000 | 3,751,000 |
| Noninterest income | 157,000 | 314,000 | 488,000 | 700,000 |
| Noninterest expense | 711,000 | 1,445,000 | 2,174,000 | 2,887,000 |
| Provision for loan losses | 291,000 | 321,000 | 351,000 | 381,000 |
| Pretax income | -10,000 | 307,000 | 715,000 | 1,183,000 |
| Income tax | 15,000 | 37,000 | 63,000 | 61,000 |
| Net income | -25,000 | 270,000 | 652,000 | 1,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,630,000 | 7,621,000 | 8,002,000 | 8,064,000 |
| Total capital | 8,607,000 | 8,666,000 | 9,023,000 | 9,066,000 |
| Risk-weighted assets | 77,927,000 | 83,466,000 | 81,509,000 | 80,048,000 |