Call reports 2006
DAKOTA HERITAGE BANK — 2006
What DAKOTA HERITAGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 51,545,000 | 53,772,000 | 56,202,000 | 54,964,000 |
| Total loans | 34,724,000 | 41,010,000 | 42,803,000 | 39,303,000 |
| Allowance for loan losses | 485,000 | 492,000 | 492,000 | 493,000 |
| Securities available for sale | 9,454,000 | 9,128,000 | 9,697,000 | 10,191,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,765,000 | 47,710,000 | 46,254,000 | 49,875,000 |
| Interest-bearing deposits | 39,548,000 | 40,578,000 | 40,331,000 | 41,221,000 |
| Noninterest-bearing deposits | 7,217,000 | 7,132,000 | 5,923,000 | 8,654,000 |
| Equity capital | 4,427,000 | 4,281,000 | 4,602,000 | 4,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 818,000 | 1,720,000 | 2,704,000 | 3,629,000 |
| Interest expense | 279,000 | 583,000 | 964,000 | 1,331,000 |
| Net interest income | 539,000 | 1,137,000 | 1,740,000 | 2,298,000 |
| Noninterest income | 53,000 | 106,000 | 162,000 | 234,000 |
| Noninterest expense | 377,000 | 723,000 | 1,092,000 | 1,480,000 |
| Provision for loan losses | 8,000 | 23,000 | 28,000 | 28,000 |
| Pretax income | 207,000 | 497,000 | 782,000 | 1,024,000 |
| Income tax | 71,000 | 143,000 | 219,000 | 280,000 |
| Net income | 136,000 | 354,000 | 563,000 | 744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,410,000 | 4,333,000 | 4,546,000 | 4,731,000 |
| Total capital | 4,859,000 | 4,794,000 | 5,017,000 | 5,152,000 |
| Risk-weighted assets | 35,858,000 | 36,862,000 | 37,685,000 | 33,577,000 |