Call reports 2005
DAKOTA COMMUNITY BANK & TRUST, NATIONAL ASSOCIATION — 2005
What DAKOTA COMMUNITY BANK & TRUST, NATIONAL ASSOCIATION 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 | 208,218,000 | 211,236,000 | 225,057,000 | 228,345,000 |
| Total loans | 163,472,000 | 175,406,000 | 179,848,000 | 183,178,000 |
| Allowance for loan losses | 2,013,000 | 2,078,000 | 2,103,000 | 2,049,000 |
| Securities available for sale | 22,520,000 | 18,369,000 | 18,094,000 | 18,993,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,521,000 | 192,196,000 | 205,077,000 | 206,129,000 |
| Interest-bearing deposits | 167,661,000 | 168,439,000 | 181,597,000 | 177,987,000 |
| Noninterest-bearing deposits | 19,860,000 | 23,757,000 | 23,480,000 | 28,142,000 |
| Equity capital | 15,644,000 | 16,299,000 | 16,832,000 | 17,172,000 |
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 | 3,443,000 | 7,218,000 | 11,316,000 | 15,400,000 |
| Interest expense | 834,000 | 1,749,000 | 2,854,000 | 4,042,000 |
| Net interest income | 2,609,000 | 5,469,000 | 8,462,000 | 11,358,000 |
| Noninterest income | 427,000 | 867,000 | 1,296,000 | 1,744,000 |
| Noninterest expense | 2,219,000 | 4,533,000 | 6,986,000 | 9,570,000 |
| Provision for loan losses | 73,000 | 153,000 | 202,000 | 228,000 |
| Pretax income | 744,000 | 1,633,000 | 2,553,000 | 3,287,000 |
| Income tax | 254,000 | 564,000 | 873,000 | 1,164,000 |
| Net income | 490,000 | 1,069,000 | 1,680,000 | 2,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,792,000 | 16,371,000 | 16,932,000 | 17,314,000 |
| Total capital | 17,805,000 | 18,449,000 | 19,035,000 | 19,363,000 |
| Risk-weighted assets | 166,918,000 | 176,435,000 | 181,671,000 | 187,061,000 |