Call reports 2004
DAKOTA HERITAGE BANK — 2004
What DAKOTA HERITAGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 31,542,000 | 34,788,000 | 34,639,000 | 34,823,000 |
| Total loans | 20,901,000 | 25,651,000 | 25,497,000 | 25,167,000 |
| Allowance for loan losses | 301,000 | 299,000 | 299,000 | 303,000 |
| Securities available for sale | 4,564,000 | 5,857,000 | 6,045,000 | 5,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,753,000 | 29,057,000 | 28,445,000 | 31,820,000 |
| Interest-bearing deposits | 24,426,000 | 25,278,000 | 23,694,000 | 26,508,000 |
| Noninterest-bearing deposits | 4,327,000 | 3,779,000 | 4,751,000 | 5,312,000 |
| Equity capital | 2,588,000 | 2,624,000 | 2,733,000 | 2,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 431,000 | 930,000 | 1,440,000 | 1,935,000 |
| Interest expense | 126,000 | 258,000 | 404,000 | 548,000 |
| Net interest income | 305,000 | 672,000 | 1,036,000 | 1,387,000 |
| Noninterest income | 26,000 | 54,000 | 88,000 | 125,000 |
| Noninterest expense | 234,000 | 455,000 | 682,000 | 978,000 |
| Provision for loan losses | 2,000 | 2,000 | 2,000 | 12,000 |
| Pretax income | 95,000 | 269,000 | 440,000 | 522,000 |
| Income tax | 21,000 | 64,000 | 133,000 | 164,000 |
| Net income | 74,000 | 205,000 | 307,000 | 358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,364,000 | 2,499,000 | 2,550,000 | 2,746,000 |
| Total capital | 2,647,000 | 2,798,000 | 2,849,000 | 3,049,000 |
| Risk-weighted assets | 22,623,000 | 25,492,000 | 24,273,000 | 24,022,000 |