Call reports 2012
MINNESOTA FIRST CREDIT AND SAVINGS, INCORPORATED — 2012
What MINNESOTA FIRST CREDIT AND SAVINGS, INCORPORATED reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 29,342,000 | 29,649,000 | 30,173,000 | 29,507,000 |
| Total loans | 27,095,000 | 27,094,000 | 27,003,000 | 26,934,000 |
| Allowance for loan losses | 346,000 | 354,000 | 354,000 | 356,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,560,000 | 24,817,000 | 25,460,000 | 24,866,000 |
| Interest-bearing deposits | 24,560,000 | 24,817,000 | 25,460,000 | 24,866,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 3,550,000 | 3,301,000 | 3,355,000 | 3,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 590,000 | 1,178,000 | 1,774,000 | 2,383,000 |
| Interest expense | 112,000 | 220,000 | 314,000 | 400,000 |
| Net interest income | 478,000 | 958,000 | 1,460,000 | 1,983,000 |
| Noninterest income | 31,000 | 68,000 | 107,000 | 127,000 |
| Noninterest expense | 386,000 | 743,000 | 1,121,000 | 1,544,000 |
| Provision for loan losses | 37,000 | 91,000 | 161,000 | 227,000 |
| Pretax income | 86,000 | 192,000 | 285,000 | 339,000 |
| Income tax | 33,000 | 77,000 | 116,000 | 137,000 |
| Net income | 53,000 | 115,000 | 169,000 | 202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,550,000 | 3,301,000 | 3,355,000 | 3,388,000 |
| Total capital | 3,814,000 | 3,567,000 | 3,623,000 | 3,653,000 |
| Risk-weighted assets | 21,074,000 | 21,217,000 | 21,338,000 | 21,080,000 |
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