Call reports 2014
RELIABANK DAKOTA — 2014
What RELIABANK DAKOTA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 262,563,000 | 256,240,000 | 265,493,000 | 270,764,000 |
| Total loans | 167,003,000 | 173,767,000 | 177,177,000 | 183,416,000 |
| Allowance for loan losses | 1,616,000 | 1,531,000 | 1,529,000 | 1,546,000 |
| Securities available for sale | 60,115,000 | 59,850,000 | 59,533,000 | 58,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 104,000 | 113,000 | 97,000 | 111,000 |
| Total deposits | 230,502,000 | 223,318,000 | 231,529,000 | 234,976,000 |
| Interest-bearing deposits | 197,537,000 | 190,440,000 | 195,616,000 | 193,521,000 |
| Noninterest-bearing deposits | 32,965,000 | 32,878,000 | 35,913,000 | 41,455,000 |
| Equity capital | 23,767,000 | 24,618,000 | 25,506,000 | 26,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,587,000 | 5,318,000 | 8,107,000 | 10,926,000 |
| Interest expense | 455,000 | 902,000 | 1,323,000 | 1,748,000 |
| Net interest income | 2,132,000 | 4,416,000 | 6,784,000 | 9,178,000 |
| Noninterest income | 371,000 | 890,000 | 1,406,000 | 1,981,000 |
| Noninterest expense | 1,807,000 | 3,512,000 | 5,123,000 | 7,214,000 |
| Provision for loan losses | 30,000 | 50,000 | 50,000 | 70,000 |
| Pretax income | 666,000 | 1,783,000 | 3,056,000 | 3,915,000 |
| Income tax | 51,000 | 115,000 | 194,000 | 173,000 |
| Net income | 615,000 | 1,668,000 | 2,862,000 | 3,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,074,000 | 23,486,000 | 24,272,000 | 24,899,000 |
| Total capital | 24,690,000 | 25,017,000 | 25,801,000 | 26,445,000 |
| Risk-weighted assets | 202,137,000 | 207,757,000 | 211,790,000 | 217,706,000 |