Call reports 2007
RELIABANK DAKOTA — 2007
What RELIABANK DAKOTA 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 | 112,153,000 | 116,060,000 | 119,602,000 | 125,791,000 |
| Total loans | 88,471,000 | 94,788,000 | 94,044,000 | 95,174,000 |
| Allowance for loan losses | 1,195,000 | 1,223,000 | 1,250,000 | 1,274,000 |
| Securities available for sale | 16,701,000 | 14,509,000 | 14,219,000 | 14,503,000 |
| Securities held to maturity | 139,000 | 137,000 | 135,000 | 121,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,851,000 | 96,370,000 | 99,931,000 | 107,319,000 |
| Interest-bearing deposits | 81,931,000 | 84,719,000 | 86,667,000 | 92,156,000 |
| Noninterest-bearing deposits | 10,920,000 | 11,651,000 | 13,264,000 | 15,163,000 |
| Equity capital | 12,284,000 | 12,190,000 | 12,547,000 | 12,625,000 |
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 | 2,040,000 | 4,225,000 | 6,455,000 | 8,664,000 |
| Interest expense | 889,000 | 1,847,000 | 2,813,000 | 3,805,000 |
| Net interest income | 1,151,000 | 2,378,000 | 3,642,000 | 4,859,000 |
| Noninterest income | 284,000 | 588,000 | 935,000 | 1,297,000 |
| Noninterest expense | 980,000 | 1,993,000 | 2,994,000 | 4,215,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 90,000 |
| Pretax income | 431,000 | 925,000 | 1,511,000 | 1,851,000 |
| Income tax | 27,000 | 58,000 | 98,000 | 89,000 |
| Net income | 404,000 | 867,000 | 1,413,000 | 1,762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,168,000 | 12,326,000 | 12,710,000 | 12,708,000 |
| Total capital | 13,363,000 | 13,549,000 | 13,960,000 | 13,982,000 |
| Risk-weighted assets | 96,918,000 | 103,006,000 | 104,837,000 | 107,381,000 |