Call reports 2005
MINNWEST BANK CENTRAL — 2005
What MINNWEST BANK CENTRAL 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 | 205,171,000 | 213,917,000 | 233,097,000 | 235,283,000 |
| Total loans | 178,031,000 | 182,991,000 | 200,441,000 | 195,377,000 |
| Allowance for loan losses | 2,211,000 | 2,290,000 | 2,314,000 | 2,587,000 |
| Securities available for sale | 18,659,000 | 21,107,000 | 21,471,000 | 25,263,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,068,000 | 177,575,000 | 188,046,000 | 197,045,000 |
| Interest-bearing deposits | 154,655,000 | 160,851,000 | 171,357,000 | 179,140,000 |
| Noninterest-bearing deposits | 15,413,000 | 16,724,000 | 16,689,000 | 17,905,000 |
| Equity capital | 17,618,000 | 18,428,000 | 19,185,000 | 19,660,000 |
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 | 3,055,000 | 6,457,000 | 10,172,000 | 14,017,000 |
| Interest expense | 979,000 | 2,127,000 | 3,446,000 | 4,954,000 |
| Net interest income | 2,076,000 | 4,330,000 | 6,726,000 | 9,063,000 |
| Noninterest income | 271,000 | 526,000 | 807,000 | 1,031,000 |
| Noninterest expense | 1,287,000 | 2,522,000 | 3,856,000 | 5,493,000 |
| Provision for loan losses | 107,000 | 213,000 | 258,000 | 303,000 |
| Pretax income | 953,000 | 2,121,000 | 3,419,000 | 4,298,000 |
| Income tax | 358,000 | 800,000 | 1,297,000 | 1,624,000 |
| Net income | 595,000 | 1,321,000 | 2,122,000 | 2,674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,211,000 | 17,950,000 | 18,765,000 | 19,329,000 |
| Total capital | 19,345,000 | 20,149,000 | 21,079,000 | 21,735,000 |
| Risk-weighted assets | 170,621,000 | 175,827,000 | 194,175,000 | 192,331,000 |