Call reports 2007
DAKOTA HERITAGE BANK — 2007
What DAKOTA HERITAGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 56,459,000 | 59,877,000 | 60,291,000 | 62,722,000 |
| Total loans | 38,145,000 | 46,511,000 | 46,491,000 | 42,570,000 |
| Allowance for loan losses | 492,000 | 496,000 | 499,000 | 507,000 |
| Securities available for sale | 10,642,000 | 9,750,000 | 9,866,000 | 9,137,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,477,000 | 52,862,000 | 53,841,000 | 57,215,000 |
| Interest-bearing deposits | 44,122,000 | 45,203,000 | 45,293,000 | 45,095,000 |
| Noninterest-bearing deposits | 7,355,000 | 7,659,000 | 8,548,000 | 12,120,000 |
| Equity capital | 4,515,000 | 4,669,000 | 4,947,000 | 5,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 932,000 | 1,940,000 | 3,034,000 | 4,028,000 |
| Interest expense | 387,000 | 778,000 | 1,239,000 | 1,666,000 |
| Net interest income | 545,000 | 1,162,000 | 1,795,000 | 2,362,000 |
| Noninterest income | 44,000 | 97,000 | 166,000 | 246,000 |
| Noninterest expense | 387,000 | 774,000 | 1,186,000 | 1,595,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 25,000 |
| Pretax income | 202,000 | 485,000 | 765,000 | 988,000 |
| Income tax | 69,000 | 138,000 | 218,000 | 293,000 |
| Net income | 133,000 | 347,000 | 547,000 | 695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,468,000 | 4,687,000 | 4,892,000 | 5,044,000 |
| Total capital | 4,932,000 | 5,183,000 | 5,391,000 | 5,551,000 |
| Risk-weighted assets | 37,081,000 | 44,810,000 | 47,505,000 | 44,358,000 |