Call reports 2003
MINNSTAR BANK NATIONAL ASSOCIATION — 2003
What MINNSTAR BANK NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 81,245,000 | 80,033,000 | 79,738,000 | 81,539,000 |
| Total loans | 53,209,000 | 54,875,000 | 56,239,000 | 58,981,000 |
| Allowance for loan losses | 731,000 | 758,000 | 826,000 | 880,000 |
| Securities available for sale | 10,306,000 | 11,019,000 | 11,328,000 | 11,463,000 |
| Securities held to maturity | 3,004,000 | 4,784,000 | 5,031,000 | 4,934,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,758,000 | 71,205,000 | 70,822,000 | 71,391,000 |
| Interest-bearing deposits | 59,626,000 | 58,433,000 | 58,516,000 | 57,169,000 |
| Noninterest-bearing deposits | 12,132,000 | 12,772,000 | 12,306,000 | 14,221,000 |
| Equity capital | 7,335,000 | 7,310,000 | 7,400,000 | 7,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,216,000 | 2,400,000 | 3,574,000 | 4,813,000 |
| Interest expense | 336,000 | 643,000 | 915,000 | 1,157,000 |
| Net interest income | 880,000 | 1,757,000 | 2,659,000 | 3,656,000 |
| Noninterest income | 149,000 | 310,000 | 471,000 | 621,000 |
| Noninterest expense | 700,000 | 1,407,000 | 2,061,000 | 2,785,000 |
| Provision for loan losses | 0 | 55,000 | 130,000 | 215,000 |
| Pretax income | 329,000 | 605,000 | 939,000 | 1,277,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 329,000 | 605,000 | 939,000 | 1,277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,240,000 | 7,226,000 | 7,410,000 | 7,136,000 |
| Total capital | 7,937,000 | 7,941,000 | 8,142,000 | 7,897,000 |
| Risk-weighted assets | 55,707,000 | 57,174,000 | 58,479,000 | 60,761,000 |