Call reports 2003
DAKOTA COUNTY STATE BANK — 2003
What DAKOTA COUNTY STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 93,439,000 | 95,516,000 | 92,278,000 | 91,132,000 |
| Total loans | 66,663,000 | 69,652,000 | 63,712,000 | 62,851,000 |
| Allowance for loan losses | 979,000 | 1,089,000 | 1,056,000 | 1,042,000 |
| Securities available for sale | 16,168,000 | 10,800,000 | 21,159,000 | 20,750,000 |
| Securities held to maturity | 157,000 | 115,000 | 115,000 | 115,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,764,000 | 65,520,000 | 64,684,000 | 64,202,000 |
| Interest-bearing deposits | 51,460,000 | 50,300,000 | 50,939,000 | 49,988,000 |
| Noninterest-bearing deposits | 14,304,000 | 15,220,000 | 13,745,000 | 14,214,000 |
| Equity capital | 7,010,000 | 6,851,000 | 6,760,000 | 7,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,357,000 | 2,765,000 | 4,092,000 | 5,375,000 |
| Interest expense | 476,000 | 938,000 | 1,363,000 | 1,755,000 |
| Net interest income | 881,000 | 1,827,000 | 2,729,000 | 3,620,000 |
| Noninterest income | 232,000 | 443,000 | 639,000 | 814,000 |
| Noninterest expense | 674,000 | 1,402,000 | 2,100,000 | 2,841,000 |
| Provision for loan losses | 15,000 | 30,000 | 75,000 | 125,000 |
| Pretax income | 460,000 | 874,000 | 1,229,000 | 1,504,000 |
| Income tax | 8,000 | 17,000 | 26,000 | 31,000 |
| Net income | 452,000 | 857,000 | 1,141,000 | 1,411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,843,000 | 6,648,000 | 6,632,000 | 6,902,000 |
| Total capital | 7,652,000 | 7,504,000 | 7,435,000 | 7,732,000 |
| Risk-weighted assets | 64,540,000 | 68,243,000 | 63,964,000 | 66,148,000 |