Call reports 2013
MINNESOTA FIRST CREDIT AND SAVINGS, INCORPORATED — 2013
What MINNESOTA FIRST CREDIT AND SAVINGS, INCORPORATED reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 29,240,000 | 29,535,000 | 28,950,000 | 29,011,000 |
| Total loans | 26,453,000 | 26,625,000 | 26,213,000 | 26,345,000 |
| Allowance for loan losses | 375,000 | 401,000 | 418,000 | 422,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,573,000 | 24,910,000 | 24,241,000 | 24,368,000 |
| Interest-bearing deposits | 24,573,000 | 24,910,000 | 24,202,000 | 24,333,000 |
| Noninterest-bearing deposits | 0 | 0 | 39,000 | 35,000 |
| Equity capital | 3,445,000 | 3,502,000 | 3,560,000 | 3,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 576,000 | 1,146,000 | 1,714,000 | 2,286,000 |
| Interest expense | 85,000 | 168,000 | 248,000 | 325,000 |
| Net interest income | 491,000 | 978,000 | 1,466,000 | 1,961,000 |
| Noninterest income | 27,000 | 47,000 | 75,000 | 105,000 |
| Noninterest expense | 368,000 | 745,000 | 1,131,000 | 1,527,000 |
| Provision for loan losses | 54,000 | 87,000 | 120,000 | 179,000 |
| Pretax income | 96,000 | 193,000 | 290,000 | 360,000 |
| Income tax | 39,000 | 79,000 | 118,000 | 146,000 |
| Net income | 57,000 | 114,000 | 172,000 | 214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,445,000 | 3,502,000 | 3,560,000 | 3,602,000 |
| Total capital | 3,705,000 | 3,767,000 | 3,823,000 | 3,863,000 |
| Risk-weighted assets | 20,688,000 | 21,054,000 | 20,852,000 | 20,749,000 |
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