Call reports 2016
MINNESOTA BANK & TRUST — 2016
What MINNESOTA BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 220,955,000 | 230,004,000 | 238,745,000 | 229,114,000 |
| Total loans | 137,979,000 | 144,450,000 | 140,929,000 | 145,681,000 |
| Allowance for loan losses | 1,166,000 | 1,346,000 | 1,269,000 | 1,378,000 |
| Securities available for sale | 46,097,000 | 48,712,000 | 63,091,000 | 64,838,000 |
| Securities held to maturity | 9,779,000 | 9,763,000 | 9,746,000 | 9,713,000 |
| Trading assets | 0 | 214,000 | 208,000 | 159,000 |
| Total deposits | 200,343,000 | 207,228,000 | 214,651,000 | 194,368,000 |
| Interest-bearing deposits | 124,877,000 | 125,610,000 | 124,783,000 | 117,588,000 |
| Noninterest-bearing deposits | 75,466,000 | 81,618,000 | 89,868,000 | 76,780,000 |
| Equity capital | 18,042,000 | 18,583,000 | 19,197,000 | 18,977,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,843,000 | 3,936,000 | 5,894,000 | 8,062,000 |
| Interest expense | 119,000 | 227,000 | 334,000 | 439,000 |
| Net interest income | 1,724,000 | 3,709,000 | 5,560,000 | 7,623,000 |
| Noninterest income | 634,000 | 1,521,000 | 2,389,000 | 3,306,000 |
| Noninterest expense | 1,985,000 | 4,015,000 | 5,936,000 | 7,694,000 |
| Provision for loan losses | -342,000 | -162,000 | -239,000 | -130,000 |
| Pretax income | 714,000 | 1,461,000 | 2,345,000 | 3,576,000 |
| Income tax | 183,000 | 371,000 | 580,000 | 923,000 |
| Net income | 531,000 | 1,090,000 | 1,765,000 | 2,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,158,000 | 18,721,000 | 19,402,000 | 20,315,000 |
| Total capital | 19,326,000 | 20,067,000 | 20,671,000 | 21,693,000 |
| Risk-weighted assets | 173,188,000 | 176,084,000 | 183,408,000 | 182,848,000 |