Call reports 2013
RELIABANK DAKOTA — 2013
What RELIABANK DAKOTA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 243,725,000 | 243,158,000 | 249,788,000 | 252,497,000 |
| Total loans | 151,153,000 | 157,468,000 | 162,358,000 | 169,196,000 |
| Allowance for loan losses | 1,511,000 | 1,556,000 | 1,592,000 | 1,625,000 |
| Securities available for sale | 64,520,000 | 62,101,000 | 63,014,000 | 59,965,000 |
| Securities held to maturity | 34,000 | 33,000 | 31,000 | 0 |
| Trading assets | 200,000 | 132,000 | 130,000 | 98,000 |
| Total deposits | 213,421,000 | 214,763,000 | 217,711,000 | 221,279,000 |
| Interest-bearing deposits | 181,028,000 | 183,514,000 | 182,400,000 | 184,464,000 |
| Noninterest-bearing deposits | 32,393,000 | 31,249,000 | 35,311,000 | 36,815,000 |
| Equity capital | 22,970,000 | 21,166,000 | 22,233,000 | 22,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,578,000 | 5,155,000 | 7,714,000 | 10,408,000 |
| Interest expense | 507,000 | 1,007,000 | 1,477,000 | 1,957,000 |
| Net interest income | 2,071,000 | 4,148,000 | 6,237,000 | 8,451,000 |
| Noninterest income | 477,000 | 976,000 | 1,493,000 | 2,015,000 |
| Noninterest expense | 1,651,000 | 3,319,000 | 4,807,000 | 6,507,000 |
| Provision for loan losses | 0 | 45,000 | 75,000 | 105,000 |
| Pretax income | 878,000 | 1,731,000 | 2,819,000 | 3,825,000 |
| Income tax | 44,000 | 105,000 | 174,000 | 170,000 |
| Net income | 834,000 | 1,626,000 | 2,645,000 | 3,655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,149,000 | 21,111,000 | 21,855,000 | 22,612,000 |
| Total capital | 22,660,000 | 22,667,000 | 23,447,000 | 24,237,000 |
| Risk-weighted assets | 191,452,000 | 195,633,000 | 201,093,000 | 204,263,000 |