Call reports 2003
DAKOTA HERITAGE BANK — 2003
What DAKOTA HERITAGE 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 | 30,049,000 | 30,171,000 | 31,091,000 | 31,718,000 |
| Total loans | 21,428,000 | 23,803,000 | 24,643,000 | 23,384,000 |
| Allowance for loan losses | 256,000 | 269,000 | 284,000 | 301,000 |
| Securities available for sale | 4,175,000 | 3,713,000 | 3,533,000 | 3,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,289,000 | 27,250,000 | 27,578,000 | 28,903,000 |
| Interest-bearing deposits | 23,301,000 | 24,032,000 | 23,864,000 | 23,397,000 |
| Noninterest-bearing deposits | 3,988,000 | 3,218,000 | 3,714,000 | 5,506,000 |
| Equity capital | 2,484,000 | 2,623,000 | 2,541,000 | 2,565,000 |
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 | 427,000 | 919,000 | 1,367,000 | 1,803,000 |
| Interest expense | 151,000 | 298,000 | 441,000 | 570,000 |
| Net interest income | 276,000 | 621,000 | 926,000 | 1,233,000 |
| Noninterest income | 28,000 | 63,000 | 98,000 | 135,000 |
| Noninterest expense | 224,000 | 436,000 | 651,000 | 939,000 |
| Provision for loan losses | 14,000 | 33,000 | 52,000 | 68,000 |
| Pretax income | 66,000 | 215,000 | 321,000 | 361,000 |
| Income tax | 15,000 | 45,000 | 64,000 | 109,000 |
| Net income | 51,000 | 170,000 | 257,000 | 252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,233,000 | 2,358,000 | 2,322,000 | 2,356,000 |
| Total capital | 2,489,000 | 2,627,000 | 2,606,000 | 2,648,000 |
| Risk-weighted assets | 23,312,000 | 24,073,000 | 23,358,000 | 23,311,000 |