Call reports 2002
DAKOTA HERITAGE BANK — 2002
What DAKOTA HERITAGE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 26,591,000 | 26,901,000 | 28,940,000 | 30,005,000 |
| Total loans | 16,743,000 | 19,477,000 | 21,800,000 | 21,342,000 |
| Allowance for loan losses | 220,000 | 221,000 | 243,000 | 254,000 |
| Securities available for sale | 4,042,000 | 4,514,000 | 4,506,000 | 4,444,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,502,000 | 23,689,000 | 24,824,000 | 27,318,000 |
| Interest-bearing deposits | 21,534,000 | 20,975,000 | 21,871,000 | 22,929,000 |
| Noninterest-bearing deposits | 2,968,000 | 2,714,000 | 2,953,000 | 4,389,000 |
| Equity capital | 1,821,000 | 1,949,000 | 2,032,000 | 2,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 380,000 | 808,000 | 1,269,000 | 1,725,000 |
| Interest expense | 189,000 | 363,000 | 551,000 | 725,000 |
| Net interest income | 191,000 | 445,000 | 718,000 | 1,000,000 |
| Noninterest income | 17,000 | 41,000 | 75,000 | 110,000 |
| Noninterest expense | 181,000 | 372,000 | 565,000 | 836,000 |
| Provision for loan losses | 10,000 | 10,000 | 40,000 | 70,000 |
| Pretax income | 19,000 | 106,000 | 190,000 | 209,000 |
| Income tax | 4,000 | 8,000 | 51,000 | 55,000 |
| Net income | 15,000 | 98,000 | 139,000 | 154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,624,000 | 1,713,000 | 1,758,000 | 2,178,000 |
| Total capital | 1,844,000 | 1,934,000 | 2,001,000 | 2,432,000 |
| Risk-weighted assets | 18,473,000 | 20,098,000 | 23,497,000 | 23,384,000 |