Call reports 2012
MINNESOTA LAKES BANK — 2012
What MINNESOTA LAKES BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 79,118,000 | 80,566,000 | 80,158,000 | 84,887,000 |
| Total loans | 27,600,000 | 28,350,000 | 28,250,000 | 29,086,000 |
| Allowance for loan losses | 462,000 | 522,000 | 553,000 | 499,000 |
| Securities available for sale | 45,367,000 | 44,802,000 | 44,426,000 | 43,372,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,009,000 | 61,241,000 | 62,875,000 | 68,034,000 |
| Interest-bearing deposits | 50,451,000 | 47,883,000 | 49,179,000 | 54,553,000 |
| Noninterest-bearing deposits | 12,558,000 | 13,358,000 | 13,696,000 | 13,481,000 |
| Equity capital | 8,661,000 | 9,116,000 | 9,793,000 | 9,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 896,000 | 1,778,000 | 2,594,000 | 3,381,000 |
| Interest expense | 145,000 | 284,000 | 417,000 | 546,000 |
| Net interest income | 751,000 | 1,494,000 | 2,177,000 | 2,835,000 |
| Noninterest income | 274,000 | 559,000 | 850,000 | 1,132,000 |
| Noninterest expense | 827,000 | 1,676,000 | 2,503,000 | 3,394,000 |
| Provision for loan losses | 40,000 | 100,000 | 130,000 | 180,000 |
| Pretax income | 284,000 | 486,000 | 699,000 | 801,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 283,000 | 485,000 | 698,000 | 800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,565,000 | 7,670,000 | 7,804,000 | 7,845,000 |
| Total capital | 8,019,000 | 8,137,000 | 8,270,000 | 8,344,000 |
| Risk-weighted assets | 36,342,000 | 37,280,000 | 37,205,000 | 39,503,000 |