Call reports 2009
DAKOTA HERITAGE BANK — 2009
What DAKOTA HERITAGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 107,523,000 | 105,098,000 | 109,684,000 | 110,779,000 |
| Total loans | 72,825,000 | 80,394,000 | 85,084,000 | 82,947,000 |
| Allowance for loan losses | 964,000 | 968,000 | 956,000 | 932,000 |
| Securities available for sale | 16,112,000 | 14,246,000 | 15,196,000 | 14,372,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,465,000 | 93,865,000 | 94,066,000 | 98,250,000 |
| Interest-bearing deposits | 78,564,000 | 78,656,000 | 79,319,000 | 78,513,000 |
| Noninterest-bearing deposits | 17,901,000 | 15,209,000 | 14,747,000 | 19,737,000 |
| Equity capital | 10,363,000 | 10,457,000 | 10,864,000 | 10,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,371,000 | 2,750,000 | 4,225,000 | 5,715,000 |
| Interest expense | 438,000 | 856,000 | 1,265,000 | 1,647,000 |
| Net interest income | 933,000 | 1,894,000 | 2,960,000 | 4,068,000 |
| Noninterest income | 153,000 | 245,000 | 331,000 | 591,000 |
| Noninterest expense | 654,000 | 1,364,000 | 2,035,000 | 2,844,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 100,000 |
| Pretax income | 417,000 | 745,000 | 1,211,000 | 1,715,000 |
| Income tax | 313,000 | 330,000 | 358,000 | 386,000 |
| Net income | 104,000 | 415,000 | 853,000 | 1,329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,812,000 | 8,981,000 | 9,177,000 | 9,311,000 |
| Total capital | 9,776,000 | 9,949,000 | 10,133,000 | 10,243,000 |
| Risk-weighted assets | 80,275,000 | 84,122,000 | 88,448,000 | 88,485,000 |