Call reports 2005
MINNWEST BANK — 2005
What MINNWEST 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 | 361,201,000 | 390,589,000 | 407,620,000 | 420,757,000 |
| Total loans | 315,565,000 | 338,538,000 | 348,565,000 | 345,810,000 |
| Allowance for loan losses | 3,608,000 | 3,765,000 | 3,881,000 | 3,993,000 |
| Securities available for sale | 30,460,000 | 33,006,000 | 32,224,000 | 50,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,782,000 | 309,377,000 | 320,894,000 | 333,533,000 |
| Interest-bearing deposits | 251,542,000 | 273,198,000 | 282,661,000 | 288,775,000 |
| Noninterest-bearing deposits | 36,240,000 | 36,179,000 | 38,233,000 | 44,758,000 |
| Equity capital | 30,008,000 | 31,586,000 | 33,044,000 | 34,394,000 |
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 | 5,237,000 | 11,214,000 | 17,638,000 | 24,380,000 |
| Interest expense | 1,668,000 | 3,709,000 | 6,048,000 | 8,750,000 |
| Net interest income | 3,569,000 | 7,505,000 | 11,590,000 | 15,630,000 |
| Noninterest income | 298,000 | 592,000 | 910,000 | 1,217,000 |
| Noninterest expense | 1,576,000 | 3,379,000 | 5,208,000 | 7,101,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 2,186,000 | 4,508,000 | 6,979,000 | 9,328,000 |
| Income tax | 812,000 | 1,679,000 | 2,602,000 | 3,475,000 |
| Net income | 1,374,000 | 2,829,000 | 4,377,000 | 5,853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,253,000 | 30,708,000 | 32,255,000 | 33,731,000 |
| Total capital | 32,861,000 | 34,473,000 | 36,136,000 | 37,724,000 |
| Risk-weighted assets | 309,450,000 | 330,477,000 | 340,228,000 | 346,165,000 |