Call reports 2009
RELIABANK DAKOTA — 2009
What RELIABANK DAKOTA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 146,947,000 | 153,275,000 | 158,410,000 | 163,026,000 |
| Total loans | 124,900,000 | 129,879,000 | 132,704,000 | 135,708,000 |
| Allowance for loan losses | 1,385,000 | 1,033,000 | 1,229,000 | 1,191,000 |
| Securities available for sale | 11,353,000 | 12,026,000 | 12,791,000 | 12,498,000 |
| Securities held to maturity | 97,000 | 95,000 | 93,000 | 84,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,743,000 | 122,648,000 | 126,965,000 | 134,988,000 |
| Interest-bearing deposits | 102,789,000 | 107,554,000 | 109,888,000 | 116,740,000 |
| Noninterest-bearing deposits | 13,954,000 | 15,094,000 | 17,077,000 | 18,248,000 |
| Equity capital | 11,861,000 | 12,189,000 | 13,149,000 | 13,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,200,000 | 4,410,000 | 6,748,000 | 9,127,000 |
| Interest expense | 728,000 | 1,489,000 | 2,272,000 | 3,068,000 |
| Net interest income | 1,472,000 | 2,921,000 | 4,476,000 | 6,059,000 |
| Noninterest income | 332,000 | 720,000 | 1,123,000 | 1,470,000 |
| Noninterest expense | 1,323,000 | 2,541,000 | 3,624,000 | 4,788,000 |
| Provision for loan losses | 138,000 | 275,000 | 478,000 | 538,000 |
| Pretax income | 343,000 | 825,000 | 1,497,000 | 2,202,000 |
| Income tax | 11,000 | 27,000 | 86,000 | 120,000 |
| Net income | 332,000 | 798,000 | 1,411,000 | 2,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,251,000 | 14,351,000 | 14,964,000 | 15,431,000 |
| Total capital | 15,636,000 | 15,384,000 | 16,193,000 | 16,622,000 |
| Risk-weighted assets | 134,149,000 | 138,679,000 | 142,420,000 | 146,264,000 |