Call reports 2008
UNITED MINNESOTA BANK — 2008
What UNITED MINNESOTA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 24,233,000 | 25,269,000 | 25,187,000 | 24,097,000 |
| Total loans | 17,818,000 | 19,588,000 | 19,344,000 | 19,620,000 |
| Allowance for loan losses | 222,000 | 227,000 | 204,000 | 285,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,110,000 | 2,121,000 | 2,121,000 | 1,820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,968,000 | 22,941,000 | 22,922,000 | 22,011,000 |
| Interest-bearing deposits | 18,689,000 | 18,810,000 | 18,731,000 | 18,143,000 |
| Noninterest-bearing deposits | 3,279,000 | 4,131,000 | 4,191,000 | 3,868,000 |
| Equity capital | 1,976,000 | 2,019,000 | 1,998,000 | 1,921,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 415,000 | 804,000 | 1,175,000 | 1,542,000 |
| Interest expense | 149,000 | 287,000 | 408,000 | 511,000 |
| Net interest income | 266,000 | 517,000 | 767,000 | 1,031,000 |
| Noninterest income | 40,000 | 82,000 | 123,000 | 180,000 |
| Noninterest expense | 233,000 | 461,000 | 723,000 | 1,038,000 |
| Provision for loan losses | 0 | 5,000 | 20,000 | 140,000 |
| Pretax income | 73,000 | 133,000 | 147,000 | 33,000 |
| Income tax | 20,000 | 37,000 | 45,000 | 12,000 |
| Net income | 53,000 | 96,000 | 102,000 | 21,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,976,000 | 2,019,000 | 1,998,000 | 1,921,000 |
| Total capital | 2,198,000 | 2,246,000 | 2,203,000 | 2,180,000 |
| Risk-weighted assets | 18,464,000 | 19,994,000 | 19,878,000 | 19,897,000 |
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