Call reports 2004
MINNSTAR BANK NATIONAL ASSOCIATION — 2004
What MINNSTAR BANK NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 80,686,000 | 81,502,000 | 82,155,000 | 84,862,000 |
| Total loans | 58,815,000 | 61,723,000 | 62,833,000 | 60,385,000 |
| Allowance for loan losses | 867,000 | 904,000 | 920,000 | 1,086,000 |
| Securities available for sale | 11,157,000 | 8,966,000 | 8,661,000 | 7,891,000 |
| Securities held to maturity | 4,664,000 | 4,640,000 | 4,636,000 | 4,434,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,827,000 | 68,765,000 | 68,292,000 | 74,162,000 |
| Interest-bearing deposits | 56,301,000 | 56,297,000 | 55,855,000 | 60,583,000 |
| Noninterest-bearing deposits | 12,526,000 | 12,468,000 | 12,437,000 | 13,579,000 |
| Equity capital | 7,482,000 | 7,524,000 | 7,823,000 | 7,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,224,000 | 2,472,000 | 3,744,000 | 4,975,000 |
| Interest expense | 224,000 | 456,000 | 694,000 | 942,000 |
| Net interest income | 1,000,000 | 2,016,000 | 3,050,000 | 4,033,000 |
| Noninterest income | 140,000 | 295,000 | 423,000 | 571,000 |
| Noninterest expense | 734,000 | 1,471,000 | 2,251,000 | 2,874,000 |
| Provision for loan losses | 5,000 | 58,000 | 110,000 | 520,000 |
| Pretax income | 401,000 | 782,000 | 1,112,000 | 1,210,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 401,000 | 782,000 | 1,111,000 | 1,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,397,000 | 7,628,000 | 7,828,000 | 7,357,000 |
| Total capital | 8,159,000 | 8,420,000 | 8,632,000 | 8,144,000 |
| Risk-weighted assets | 60,918,000 | 63,237,000 | 64,233,000 | 62,670,000 |