Call reports 2014
UNITED MINNESOTA BANK — 2014
What UNITED MINNESOTA BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 29,093,000 | 28,416,000 | 28,339,000 | 28,377,000 |
| Total loans | 19,463,000 | 19,530,000 | 20,418,000 | 20,179,000 |
| Allowance for loan losses | 222,000 | 206,000 | 216,000 | 217,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 340,000 | 340,000 | 340,000 | 140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,790,000 | 26,140,000 | 26,009,000 | 26,048,000 |
| Interest-bearing deposits | 20,610,000 | 19,633,000 | 19,249,000 | 19,667,000 |
| Noninterest-bearing deposits | 6,180,000 | 6,507,000 | 6,760,000 | 6,381,000 |
| Equity capital | 2,276,000 | 2,246,000 | 2,305,000 | 2,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 283,000 | 574,000 | 873,000 | 1,180,000 |
| Interest expense | 20,000 | 40,000 | 57,000 | 75,000 |
| Net interest income | 263,000 | 534,000 | 816,000 | 1,105,000 |
| Noninterest income | 50,000 | 106,000 | 160,000 | 225,000 |
| Noninterest expense | 240,000 | 491,000 | 741,000 | 1,065,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 10,000 |
| Pretax income | 73,000 | 149,000 | 225,000 | 255,000 |
| Income tax | 4,000 | 15,000 | 32,000 | 66,000 |
| Net income | 69,000 | 134,000 | 193,000 | 189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,276,000 | 2,246,000 | 2,305,000 | 2,302,000 |
| Total capital | 2,498,000 | 2,452,000 | 2,521,000 | 2,519,000 |
| Risk-weighted assets | 18,690,000 | 18,806,000 | 19,021,000 | 18,923,000 |