Call reports 2016
RELIABANK DAKOTA — 2016
What RELIABANK DAKOTA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 303,168,000 | 314,427,000 | 323,704,000 | 313,292,000 |
| Total loans | 218,332,000 | 221,786,000 | 224,560,000 | 228,631,000 |
| Allowance for loan losses | 1,822,000 | 1,768,000 | 1,746,000 | 1,841,000 |
| Securities available for sale | 59,014,000 | 62,648,000 | 57,764,000 | 60,014,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 133,000 | 138,000 | 118,000 | 76,000 |
| Total deposits | 263,381,000 | 273,675,000 | 280,328,000 | 270,425,000 |
| Interest-bearing deposits | 218,724,000 | 229,438,000 | 233,335,000 | 225,043,000 |
| Noninterest-bearing deposits | 44,657,000 | 44,237,000 | 46,993,000 | 45,382,000 |
| Equity capital | 29,826,000 | 30,728,000 | 31,298,000 | 30,984,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,234,000 | 6,574,000 | 10,022,000 | 13,462,000 |
| Interest expense | 414,000 | 836,000 | 1,270,000 | 1,720,000 |
| Net interest income | 2,820,000 | 5,738,000 | 8,752,000 | 11,742,000 |
| Noninterest income | 910,000 | 2,033,000 | 3,422,000 | 4,632,000 |
| Noninterest expense | 2,371,000 | 4,659,000 | 7,338,000 | 10,054,000 |
| Provision for loan losses | 60,000 | 120,000 | 195,000 | 285,000 |
| Pretax income | 1,299,000 | 2,992,000 | 4,624,000 | 6,018,000 |
| Income tax | 84,000 | 185,000 | 286,000 | 294,000 |
| Net income | 1,215,000 | 2,807,000 | 4,338,000 | 5,724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,366,000 | 28,737,000 | 29,609,000 | 30,743,000 |
| Total capital | 30,188,000 | 30,505,000 | 31,355,000 | 32,584,000 |
| Risk-weighted assets | 262,529,000 | 267,249,000 | 272,883,000 | 271,360,000 |