Call reports 2003
UNITED MINNESOTA BANK — 2003
What UNITED MINNESOTA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 24,908,000 | 24,978,000 | 24,446,000 | 23,221,000 |
| Total loans | 13,119,000 | 13,059,000 | 13,349,000 | 12,684,000 |
| Allowance for loan losses | 168,000 | 143,000 | 143,000 | 156,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,636,000 | 4,705,000 | 4,991,000 | 4,781,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,034,000 | 23,066,000 | 22,504,000 | 21,327,000 |
| Interest-bearing deposits | 19,615,000 | 19,447,000 | 18,338,000 | 17,633,000 |
| Noninterest-bearing deposits | 3,419,000 | 3,619,000 | 4,166,000 | 3,694,000 |
| Equity capital | 1,716,000 | 1,748,000 | 1,779,000 | 1,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 336,000 | 678,000 | 985,000 | 1,284,000 |
| Interest expense | 145,000 | 280,000 | 402,000 | 503,000 |
| Net interest income | 191,000 | 398,000 | 583,000 | 781,000 |
| Noninterest income | 30,000 | 60,000 | 107,000 | 148,000 |
| Noninterest expense | 179,000 | 352,000 | 535,000 | 779,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 35,000 |
| Pretax income | 42,000 | 86,000 | 135,000 | 115,000 |
| Income tax | 15,000 | 27,000 | 45,000 | 40,000 |
| Net income | 27,000 | 59,000 | 90,000 | 75,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,716,000 | 1,748,000 | 1,779,000 | 1,764,000 |
| Total capital | 1,884,000 | 1,891,000 | 1,922,000 | 1,920,000 |
| Risk-weighted assets | 14,486,000 | 14,532,000 | 14,746,000 | 14,237,000 |
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