Call reports 2004
UNITED MINNESOTA BANK — 2004
What UNITED MINNESOTA BANK 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 | 21,952,000 | 21,583,000 | 22,248,000 | 21,947,000 |
| Total loans | 12,916,000 | 14,150,000 | 14,268,000 | 13,874,000 |
| Allowance for loan losses | 156,000 | 156,000 | 147,000 | 165,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,002,000 | 4,801,000 | 4,799,000 | 4,274,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,125,000 | 19,702,000 | 20,307,000 | 20,000,000 |
| Interest-bearing deposits | 16,356,000 | 15,362,000 | 16,335,000 | 16,019,000 |
| Noninterest-bearing deposits | 3,769,000 | 4,340,000 | 3,972,000 | 3,981,000 |
| Equity capital | 1,713,000 | 1,760,000 | 1,798,000 | 1,812,000 |
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 | 269,000 | 550,000 | 830,000 | 1,116,000 |
| Interest expense | 76,000 | 139,000 | 197,000 | 254,000 |
| Net interest income | 193,000 | 411,000 | 633,000 | 862,000 |
| Noninterest income | 33,000 | 67,000 | 101,000 | 139,000 |
| Noninterest expense | 179,000 | 365,000 | 566,000 | 807,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 47,000 | 113,000 | 168,000 | 174,000 |
| Income tax | 14,000 | 33,000 | 50,000 | 42,000 |
| Net income | 33,000 | 80,000 | 118,000 | 132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,713,000 | 1,760,000 | 1,798,000 | 1,812,000 |
| Total capital | 1,869,000 | 1,916,000 | 1,945,000 | 1,977,000 |
| Risk-weighted assets | 14,234,000 | 14,997,000 | 15,275,000 | 14,959,000 |
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