Call reports 2010
MINNESOTA FIRST CREDIT AND SAVINGS, INCORPORATED — 2010
What MINNESOTA FIRST CREDIT AND SAVINGS, INCORPORATED reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 29,142,000 | 29,065,000 | 29,665,000 | 28,989,000 |
| Total loans | 26,591,000 | 27,087,000 | 27,082,000 | 26,806,000 |
| Allowance for loan losses | 331,000 | 339,000 | 351,000 | 340,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,677,000 | 22,632,000 | 23,637,000 | 23,425,000 |
| Interest-bearing deposits | 22,677,000 | 22,632,000 | 23,637,000 | 23,425,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 3,185,000 | 3,232,000 | 3,276,000 | 3,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 604,000 | 1,207,000 | 1,819,000 | 2,428,000 |
| Interest expense | 182,000 | 354,000 | 526,000 | 680,000 |
| Net interest income | 422,000 | 853,000 | 1,293,000 | 1,748,000 |
| Noninterest income | 21,000 | 27,000 | 28,000 | 82,000 |
| Noninterest expense | 362,000 | 697,000 | 1,028,000 | 1,404,000 |
| Provision for loan losses | 19,000 | 47,000 | 82,000 | 167,000 |
| Pretax income | 62,000 | 136,000 | 211,000 | 259,000 |
| Income tax | 25,000 | 52,000 | 83,000 | 92,000 |
| Net income | 37,000 | 84,000 | 128,000 | 167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,185,000 | 3,232,000 | 3,276,000 | 3,315,000 |
| Total capital | 3,437,000 | 3,488,000 | 3,533,000 | 3,567,000 |
| Risk-weighted assets | 20,113,000 | 20,434,000 | 20,516,000 | 20,125,000 |
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