Call reports 2008
RELIABANK DAKOTA — 2008
What RELIABANK DAKOTA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 131,637,000 | 136,458,000 | 141,176,000 | 147,095,000 |
| Total loans | 101,228,000 | 112,822,000 | 118,660,000 | 124,887,000 |
| Allowance for loan losses | 1,278,000 | 1,082,000 | 1,103,000 | 1,242,000 |
| Securities available for sale | 14,877,000 | 14,159,000 | 13,409,000 | 12,227,000 |
| Securities held to maturity | 118,000 | 116,000 | 111,000 | 99,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,475,000 | 103,371,000 | 109,856,000 | 111,722,000 |
| Interest-bearing deposits | 90,048,000 | 88,909,000 | 92,960,000 | 95,020,000 |
| Noninterest-bearing deposits | 20,428,000 | 14,462,000 | 16,896,000 | 16,702,000 |
| Equity capital | 12,303,000 | 12,487,000 | 12,715,000 | 12,223,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,112,000 | 4,241,000 | 6,475,000 | 8,763,000 |
| Interest expense | 823,000 | 1,586,000 | 2,373,000 | 3,164,000 |
| Net interest income | 1,289,000 | 2,655,000 | 4,102,000 | 5,599,000 |
| Noninterest income | 278,000 | 607,000 | 996,000 | 1,338,000 |
| Noninterest expense | 1,351,000 | 2,502,000 | 3,834,000 | 4,730,000 |
| Provision for loan losses | 0 | -235,000 | -220,000 | -83,000 |
| Pretax income | 216,000 | 995,000 | 1,484,000 | 2,290,000 |
| Income tax | 0 | 46,000 | 91,000 | 73,000 |
| Net income | 216,000 | 949,000 | 1,393,000 | 2,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,567,000 | 13,097,000 | 13,420,000 | 14,061,000 |
| Total capital | 13,845,000 | 14,179,000 | 14,523,000 | 15,303,000 |
| Risk-weighted assets | 112,746,000 | 124,594,000 | 128,324,000 | 135,324,000 |