Call reports 2012
MINNESOTA BANK & TRUST — 2012
What MINNESOTA BANK & TRUST 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 | 95,462,000 | 101,704,000 | 109,586,000 | 126,421,000 |
| Total loans | 74,563,000 | 83,403,000 | 91,370,000 | 96,202,000 |
| Allowance for loan losses | 747,000 | 821,000 | 914,000 | 961,000 |
| Securities available for sale | 14,866,000 | 11,559,000 | 11,265,000 | 12,006,000 |
| Securities held to maturity | 895,000 | 895,000 | 895,000 | 895,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,338,000 | 77,119,000 | 91,179,000 | 109,862,000 |
| Interest-bearing deposits | 48,478,000 | 48,608,000 | 59,161,000 | 63,038,000 |
| Noninterest-bearing deposits | 29,860,000 | 28,511,000 | 32,018,000 | 46,824,000 |
| Equity capital | 13,799,000 | 13,753,000 | 13,797,000 | 14,147,000 |
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 | 1,031,000 | 2,104,000 | 3,227,000 | 4,408,000 |
| Interest expense | 77,000 | 160,000 | 248,000 | 355,000 |
| Net interest income | 954,000 | 1,944,000 | 2,979,000 | 4,053,000 |
| Noninterest income | 458,000 | 1,155,000 | 2,436,000 | 4,426,000 |
| Noninterest expense | 1,492,000 | 3,229,000 | 5,522,000 | 7,926,000 |
| Provision for loan losses | 160,000 | 234,000 | 327,000 | 374,000 |
| Pretax income | -240,000 | -225,000 | -295,000 | 318,000 |
| Income tax | -111,000 | -131,000 | -186,000 | 15,000 |
| Net income | -129,000 | -94,000 | -109,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,196,000 | 13,184,000 | 13,109,000 | 13,485,000 |
| Total capital | 13,943,000 | 14,005,000 | 14,023,000 | 14,446,000 |
| Risk-weighted assets | 83,409,000 | 91,146,000 | 96,814,000 | 102,926,000 |