Call reports 2020
RELIABANK DAKOTA — 2020
What RELIABANK DAKOTA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 472,706,000 | 519,325,000 | 538,058,000 | 566,227,000 |
| Total loans | 322,233,000 | 348,828,000 | 350,632,000 | 343,236,000 |
| Allowance for loan losses | 3,456,000 | 3,458,000 | 3,185,000 | 2,870,000 |
| Securities available for sale | 128,398,000 | 140,620,000 | 147,489,000 | 167,066,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 8,000 | 4,000 | 0 | 0 |
| Total deposits | 418,127,000 | 460,701,000 | 477,516,000 | 504,054,000 |
| Interest-bearing deposits | 366,284,000 | 390,606,000 | 396,084,000 | 418,624,000 |
| Noninterest-bearing deposits | 51,843,000 | 70,095,000 | 81,432,000 | 85,430,000 |
| Equity capital | 44,365,000 | 47,849,000 | 49,449,000 | 52,208,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,322,000 | 10,763,000 | 16,223,000 | 22,324,000 |
| Interest expense | 1,347,000 | 2,342,000 | 3,297,000 | 4,222,000 |
| Net interest income | 3,975,000 | 8,421,000 | 12,926,000 | 18,102,000 |
| Noninterest income | 792,000 | 2,036,000 | 3,333,000 | 4,908,000 |
| Noninterest expense | 3,416,000 | 6,892,000 | 10,188,000 | 14,066,000 |
| Provision for loan losses | 157,000 | 157,000 | 377,000 | 597,000 |
| Pretax income | 1,212,000 | 3,483,000 | 5,740,000 | 8,393,000 |
| Income tax | 84,000 | 223,000 | 348,000 | 429,000 |
| Net income | 1,128,000 | 3,260,000 | 5,392,000 | 7,964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,549,000 | 44,114,000 | 45,436,000 | 47,502,000 |
| Total capital | 46,005,000 | 47,572,000 | 48,621,000 | 50,372,000 |
| Risk-weighted assets | 379,967,000 | 421,090,000 | 426,187,000 | 455,882,000 |