Call reports 2005
RELIABANK DAKOTA — 2005
What RELIABANK DAKOTA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 103,466,000 | 102,466,000 | 104,284,000 | 104,848,000 |
| Total loans | 79,061,000 | 80,283,000 | 78,263,000 | 76,713,000 |
| Allowance for loan losses | 1,069,000 | 1,117,000 | 1,163,000 | 1,016,000 |
| Securities available for sale | 16,394,000 | 15,392,000 | 14,875,000 | 20,249,000 |
| Securities held to maturity | 183,000 | 180,000 | 170,000 | 160,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,653,000 | 84,530,000 | 85,678,000 | 86,393,000 |
| Interest-bearing deposits | 74,631,000 | 73,953,000 | 73,790,000 | 72,686,000 |
| Noninterest-bearing deposits | 11,022,000 | 10,577,000 | 11,888,000 | 13,707,000 |
| Equity capital | 10,806,000 | 10,852,000 | 10,612,000 | 10,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,361,000 | 4,776,000 | 6,643,000 | 8,411,000 |
| Interest expense | 558,000 | 1,108,000 | 1,697,000 | 2,326,000 |
| Net interest income | 1,803,000 | 3,668,000 | 4,946,000 | 6,085,000 |
| Noninterest income | 313,000 | 673,000 | 945,000 | 1,167,000 |
| Noninterest expense | 1,214,000 | 2,313,000 | 3,302,000 | 4,201,000 |
| Provision for loan losses | 235,000 | 295,000 | 355,000 | 395,000 |
| Pretax income | 667,000 | 1,717,000 | 2,192,000 | 2,614,000 |
| Income tax | 32,000 | 93,000 | 125,000 | 107,000 |
| Net income | 635,000 | 1,624,000 | 2,067,000 | 2,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,715,000 | 10,599,000 | 10,452,000 | 10,892,000 |
| Total capital | 11,784,000 | 11,664,000 | 11,512,000 | 11,908,000 |
| Risk-weighted assets | 86,267,000 | 84,358,000 | 84,722,000 | 85,756,000 |