Call reports 2004
MINNWEST BANK SOUTH — 2004
What MINNWEST BANK SOUTH reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 179,958,000 | 175,421,000 | 174,926,000 | 178,034,000 |
| Total loans | 158,650,000 | 155,846,000 | 153,446,000 | 153,473,000 |
| Allowance for loan losses | 2,170,000 | 2,202,000 | 2,215,000 | 2,212,000 |
| Securities available for sale | 14,867,000 | 13,565,000 | 13,514,000 | 14,845,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,398,000 | 145,277,000 | 145,791,000 | 147,687,000 |
| Interest-bearing deposits | 132,448,000 | 132,729,000 | 132,279,000 | 130,203,000 |
| Noninterest-bearing deposits | 14,950,000 | 12,548,000 | 13,512,000 | 17,484,000 |
| Equity capital | 17,092,000 | 17,523,000 | 18,220,000 | 18,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,481,000 | 5,086,000 | 7,645,000 | 10,166,000 |
| Interest expense | 821,000 | 1,629,000 | 2,446,000 | 3,242,000 |
| Net interest income | 1,660,000 | 3,457,000 | 5,199,000 | 6,924,000 |
| Noninterest income | 481,000 | 625,000 | 791,000 | 929,000 |
| Noninterest expense | 976,000 | 1,967,000 | 2,836,000 | 3,934,000 |
| Provision for loan losses | 30,000 | 60,000 | 75,000 | 90,000 |
| Pretax income | 1,135,000 | 2,055,000 | 3,079,000 | 3,829,000 |
| Income tax | 441,000 | 796,000 | 1,193,000 | 1,480,000 |
| Net income | 694,000 | 1,259,000 | 1,886,000 | 2,349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,772,000 | 16,371,000 | 17,032,000 | 17,530,000 |
| Total capital | 17,708,000 | 18,275,000 | 18,914,000 | 19,427,000 |
| Risk-weighted assets | 154,668,000 | 151,999,000 | 150,192,000 | 151,475,000 |
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