Call reports 2004
RELIABANK DAKOTA — 2004
What RELIABANK DAKOTA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 103,401,000 | 105,246,000 | 103,954,000 | 108,843,000 |
| Total loans | 78,952,000 | 82,701,000 | 81,351,000 | 78,892,000 |
| Allowance for loan losses | 1,247,000 | 1,359,000 | 1,366,000 | 1,214,000 |
| Securities available for sale | 16,240,000 | 15,008,000 | 14,128,000 | 16,177,000 |
| Securities held to maturity | 283,000 | 208,000 | 204,000 | 190,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,764,000 | 83,046,000 | 83,832,000 | 88,422,000 |
| Interest-bearing deposits | 72,565,000 | 74,023,000 | 73,575,000 | 75,123,000 |
| Noninterest-bearing deposits | 10,200,000 | 9,023,000 | 10,257,000 | 13,299,000 |
| Equity capital | 9,083,000 | 9,067,000 | 10,153,000 | 10,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,598,000 | 3,549,000 | 5,778,000 | 8,053,000 |
| Interest expense | 582,000 | 1,160,000 | 1,740,000 | 2,317,000 |
| Net interest income | 1,016,000 | 2,389,000 | 4,038,000 | 5,736,000 |
| Noninterest income | 251,000 | 528,000 | 854,000 | 1,174,000 |
| Noninterest expense | 809,000 | 1,699,000 | 2,762,000 | 3,949,000 |
| Provision for loan losses | 70,000 | 163,000 | 191,000 | 252,000 |
| Pretax income | 407,000 | 1,068,000 | 1,959,000 | 2,729,000 |
| Income tax | 25,000 | 76,000 | 132,000 | 127,000 |
| Net income | 382,000 | 992,000 | 1,827,000 | 2,602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,686,000 | 9,003,000 | 9,837,000 | 10,212,000 |
| Total capital | 9,734,000 | 10,090,000 | 10,918,000 | 11,308,000 |
| Risk-weighted assets | 83,615,000 | 86,630,000 | 86,186,000 | 86,797,000 |