Call reports 2005
DAKOTA HERITAGE BANK — 2005
What DAKOTA HERITAGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 33,473,000 | 33,789,000 | 51,551,000 | 51,920,000 |
| Total loans | 22,767,000 | 25,910,000 | 36,734,000 | 35,767,000 |
| Allowance for loan losses | 303,000 | 302,000 | 485,000 | 483,000 |
| Securities available for sale | 5,592,000 | 5,427,000 | 9,831,000 | 8,804,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,510,000 | 28,525,000 | 42,939,000 | 47,342,000 |
| Interest-bearing deposits | 26,043,000 | 25,277,000 | 36,529,000 | 37,994,000 |
| Noninterest-bearing deposits | 4,467,000 | 3,248,000 | 6,410,000 | 9,348,000 |
| Equity capital | 2,842,000 | 2,994,000 | 4,530,000 | 4,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 477,000 | 1,006,000 | 2,304,000 | 3,082,000 |
| Interest expense | 133,000 | 282,000 | 684,000 | 943,000 |
| Net interest income | 344,000 | 724,000 | 1,620,000 | 2,139,000 |
| Noninterest income | 27,000 | 61,000 | 138,000 | 202,000 |
| Noninterest expense | 242,000 | 486,000 | 1,048,000 | 1,424,000 |
| Provision for loan losses | 0 | 13,000 | 25,000 | 25,000 |
| Pretax income | 129,000 | 286,000 | 685,000 | 892,000 |
| Income tax | 41,000 | 86,000 | 202,000 | 285,000 |
| Net income | 88,000 | 200,000 | 483,000 | 607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,754,000 | 2,870,000 | 4,400,000 | 4,122,000 |
| Total capital | 3,043,000 | 3,163,000 | 4,856,000 | 4,575,000 |
| Risk-weighted assets | 23,132,000 | 24,923,000 | 36,449,000 | 36,210,000 |