Call reports 2008
DAKOTA COUNTY STATE BANK — 2008
What DAKOTA COUNTY STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 84,896,000 | 86,818,000 | 82,423,000 | 84,228,000 |
| Total loans | 62,163,000 | 64,459,000 | 58,116,000 | 55,247,000 |
| Allowance for loan losses | 906,000 | 893,000 | 866,000 | 843,000 |
| Securities available for sale | 15,396,000 | 15,638,000 | 14,294,000 | 13,802,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,731,000 | 70,328,000 | 66,116,000 | 69,549,000 |
| Interest-bearing deposits | 56,813,000 | 58,261,000 | 53,962,000 | 56,256,000 |
| Noninterest-bearing deposits | 12,918,000 | 12,067,000 | 12,154,000 | 13,293,000 |
| Equity capital | 7,552,000 | 7,121,000 | 7,457,000 | 7,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,319,000 | 2,621,000 | 3,852,000 | 4,984,000 |
| Interest expense | 499,000 | 943,000 | 1,367,000 | 1,743,000 |
| Net interest income | 820,000 | 1,678,000 | 2,485,000 | 3,241,000 |
| Noninterest income | 267,000 | 510,000 | 743,000 | 973,000 |
| Noninterest expense | 649,000 | 1,306,000 | 1,993,000 | 2,624,000 |
| Provision for loan losses | 0 | 0 | 45,000 | 51,000 |
| Pretax income | 438,000 | 882,000 | 1,190,000 | 1,539,000 |
| Income tax | 9,000 | 17,000 | 26,000 | 34,000 |
| Net income | 429,000 | 865,000 | 1,164,000 | 1,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,400,000 | 7,136,000 | 7,435,000 | 7,076,000 |
| Total capital | 8,186,000 | 8,000,000 | 8,243,000 | 7,849,000 |
| Risk-weighted assets | 66,029,000 | 69,136,000 | 64,587,000 | 61,786,000 |