Call reports 2005
MINNESOTA LAKES BANK — 2005
What MINNESOTA LAKES BANK 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 | 58,173,000 | 61,645,000 | 61,195,000 | 55,709,000 |
| Total loans | 25,445,000 | 26,862,000 | 25,563,000 | 26,604,000 |
| Allowance for loan losses | 168,000 | 175,000 | 183,000 | 165,000 |
| Securities available for sale | 175,000 | 176,000 | 177,000 | 179,000 |
| Securities held to maturity | 26,024,000 | 25,491,000 | 25,449,000 | 25,575,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,595,000 | 55,466,000 | 54,779,000 | 48,857,000 |
| Interest-bearing deposits | 41,010,000 | 42,000,000 | 42,989,000 | 37,329,000 |
| Noninterest-bearing deposits | 11,585,000 | 13,466,000 | 11,790,000 | 11,528,000 |
| Equity capital | 5,337,000 | 5,668,000 | 5,832,000 | 5,941,000 |
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 | 727,000 | 1,516,000 | 2,318,000 | 3,167,000 |
| Interest expense | 114,000 | 250,000 | 407,000 | 583,000 |
| Net interest income | 613,000 | 1,266,000 | 1,911,000 | 2,584,000 |
| Noninterest income | 149,000 | 876,000 | 1,027,000 | 1,163,000 |
| Noninterest expense | 643,000 | 1,288,000 | 1,864,000 | 2,539,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 51,000 |
| Pretax income | 110,000 | 836,000 | 1,047,000 | 1,157,000 |
| Income tax | 14,000 | 281,000 | 328,000 | 329,000 |
| Net income | 96,000 | 555,000 | 719,000 | 828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,337,000 | 5,668,000 | 5,832,000 | 5,941,000 |
| Total capital | 5,505,000 | 5,843,000 | 6,016,000 | 6,106,000 |
| Risk-weighted assets | 33,744,000 | 35,467,000 | 33,285,000 | 32,502,000 |