Call reports 2005
UNITED MINNESOTA BANK — 2005
What UNITED MINNESOTA BANK 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 | 21,172,000 | 21,366,000 | 22,504,000 | 22,807,000 |
| Total loans | 14,383,000 | 15,245,000 | 15,904,000 | 16,332,000 |
| Allowance for loan losses | 210,000 | 210,000 | 210,000 | 205,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,959,000 | 3,759,000 | 3,759,000 | 3,434,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,347,000 | 19,452,000 | 20,487,000 | 20,724,000 |
| Interest-bearing deposits | 15,376,000 | 15,743,000 | 16,304,000 | 16,276,000 |
| Noninterest-bearing deposits | 3,971,000 | 3,709,000 | 4,183,000 | 4,448,000 |
| Equity capital | 1,719,000 | 1,769,000 | 1,823,000 | 1,874,000 |
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 | 292,000 | 582,000 | 895,000 | 1,226,000 |
| Interest expense | 52,000 | 108,000 | 174,000 | 250,000 |
| Net interest income | 240,000 | 474,000 | 721,000 | 976,000 |
| Noninterest income | 29,000 | 63,000 | 105,000 | 150,000 |
| Noninterest expense | 199,000 | 382,000 | 591,000 | 842,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 70,000 | 154,000 | 234,000 | 283,000 |
| Income tax | 20,000 | 54,000 | 80,000 | 78,000 |
| Net income | 50,000 | 100,000 | 154,000 | 205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,719,000 | 1,769,000 | 1,823,000 | 1,874,000 |
| Total capital | 1,908,000 | 1,967,000 | 2,029,000 | 2,079,000 |
| Risk-weighted assets | 15,135,000 | 15,808,000 | 16,602,000 | 16,874,000 |
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