Call reports 2015
RELIABANK DAKOTA — 2015
What RELIABANK DAKOTA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 280,951,000 | 281,796,000 | 294,243,000 | 304,199,000 |
| Total loans | 191,981,000 | 202,381,000 | 208,733,000 | 216,000,000 |
| Allowance for loan losses | 1,574,000 | 1,606,000 | 1,680,000 | 1,755,000 |
| Securities available for sale | 59,565,000 | 58,199,000 | 55,612,000 | 55,248,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 127,000 | 107,000 | 130,000 | 104,000 |
| Total deposits | 244,258,000 | 245,274,000 | 256,177,000 | 264,451,000 |
| Interest-bearing deposits | 198,572,000 | 205,878,000 | 214,776,000 | 217,354,000 |
| Noninterest-bearing deposits | 45,686,000 | 39,396,000 | 41,401,000 | 47,097,000 |
| Equity capital | 27,190,000 | 26,825,000 | 27,791,000 | 28,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,782,000 | 5,833,000 | 8,900,000 | 12,041,000 |
| Interest expense | 398,000 | 782,000 | 1,186,000 | 1,597,000 |
| Net interest income | 2,384,000 | 5,051,000 | 7,714,000 | 10,444,000 |
| Noninterest income | 517,000 | 1,028,000 | 1,613,000 | 2,371,000 |
| Noninterest expense | 1,814,000 | 3,569,000 | 5,685,000 | 8,178,000 |
| Provision for loan losses | 30,000 | 60,000 | 120,000 | 180,000 |
| Pretax income | 1,057,000 | 2,452,000 | 3,582,000 | 4,517,000 |
| Income tax | 66,000 | 160,000 | 261,000 | 206,000 |
| Net income | 991,000 | 2,292,000 | 3,321,000 | 4,311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,533,000 | 25,817,000 | 26,499,000 | 27,211,000 |
| Total capital | 27,107,000 | 27,423,000 | 28,179,000 | 28,966,000 |
| Risk-weighted assets | 233,105,000 | 235,126,000 | 247,918,000 | 260,599,000 |