Call reports 2005
FIRST NATIONAL BANK MAHNOMEN TWIN VALLEY — 2005
What FIRST NATIONAL BANK MAHNOMEN TWIN VALLEY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 54,010,000 | 54,296,000 | 55,552,000 | 55,328,000 |
| Total loans | 32,890,000 | 34,432,000 | 36,479,000 | 36,967,000 |
| Allowance for loan losses | 377,000 | 366,000 | 386,000 | 360,000 |
| Securities available for sale | 15,036,000 | 15,019,000 | 14,481,000 | 14,374,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,885,000 | 48,834,000 | 50,335,000 | 50,175,000 |
| Interest-bearing deposits | 41,429,000 | 41,140,000 | 42,834,000 | 42,053,000 |
| Noninterest-bearing deposits | 7,456,000 | 7,694,000 | 7,501,000 | 8,122,000 |
| Equity capital | 4,922,000 | 5,210,000 | 4,912,000 | 4,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 732,000 | 1,512,000 | 2,401,000 | 3,253,000 |
| Interest expense | 211,000 | 441,000 | 696,000 | 989,000 |
| Net interest income | 521,000 | 1,071,000 | 1,705,000 | 2,264,000 |
| Noninterest income | 63,000 | 120,000 | 192,000 | 257,000 |
| Noninterest expense | 427,000 | 860,000 | 1,292,000 | 1,723,000 |
| Provision for loan losses | 0 | 0 | 0 | 35,000 |
| Pretax income | 157,000 | 331,000 | 605,000 | 763,000 |
| Income tax | 3,000 | 4,000 | 4,000 | 2,000 |
| Net income | 154,000 | 327,000 | 601,000 | 761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,151,000 | 5,324,000 | 5,089,000 | 5,249,000 |
| Total capital | 5,528,000 | 5,690,000 | 5,475,000 | 5,609,000 |
| Risk-weighted assets | 35,049,000 | 36,231,000 | 38,218,000 | 38,630,000 |