Call reports 2009
DAKOTA COUNTY STATE BANK — 2009
What DAKOTA COUNTY STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 86,929,000 | 89,652,000 | 89,399,000 | 88,625,000 |
| Total loans | 54,753,000 | 55,915,000 | 54,559,000 | 52,838,000 |
| Allowance for loan losses | 791,000 | 859,000 | 968,000 | 1,045,000 |
| Securities available for sale | 18,912,000 | 15,971,000 | 17,560,000 | 13,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,820,000 | 77,274,000 | 76,810,000 | 76,020,000 |
| Interest-bearing deposits | 60,994,000 | 64,590,000 | 62,454,000 | 61,167,000 |
| Noninterest-bearing deposits | 13,826,000 | 12,684,000 | 14,356,000 | 14,853,000 |
| Equity capital | 7,380,000 | 7,608,000 | 7,833,000 | 8,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,007,000 | 2,036,000 | 3,079,000 | 4,084,000 |
| Interest expense | 305,000 | 594,000 | 861,000 | 1,115,000 |
| Net interest income | 702,000 | 1,442,000 | 2,218,000 | 2,969,000 |
| Noninterest income | 228,000 | 433,000 | 658,000 | 856,000 |
| Noninterest expense | 680,000 | 1,322,000 | 2,003,000 | 2,623,000 |
| Provision for loan losses | 40,000 | 106,000 | 206,000 | 281,000 |
| Pretax income | 210,000 | 447,000 | 667,000 | 921,000 |
| Income tax | 8,000 | 17,000 | 25,000 | 33,000 |
| Net income | 202,000 | 430,000 | 642,000 | 888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,277,000 | 7,506,000 | 7,718,000 | 7,964,000 |
| Total capital | 8,039,000 | 8,244,000 | 8,459,000 | 8,682,000 |
| Risk-weighted assets | 60,925,000 | 60,192,000 | 59,116,000 | 56,760,000 |