Call reports 2005
FIRST STATE BANK MINNESOTA — 2005
What FIRST STATE BANK MINNESOTA 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 | 50,830,000 | 52,913,000 | 53,607,000 | 56,644,000 |
| Total loans | 31,326,000 | 33,340,000 | 34,674,000 | 32,396,000 |
| Allowance for loan losses | 363,000 | 362,000 | 367,000 | 350,000 |
| Securities available for sale | 15,641,000 | 15,144,000 | 14,646,000 | 14,984,000 |
| Securities held to maturity | 125,000 | 125,000 | 125,000 | 125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,420,000 | 46,150,000 | 46,702,000 | 51,163,000 |
| Interest-bearing deposits | 38,083,000 | 38,840,000 | 38,430,000 | 40,434,000 |
| Noninterest-bearing deposits | 7,337,000 | 7,310,000 | 8,272,000 | 10,729,000 |
| Equity capital | 4,234,000 | 4,340,000 | 4,411,000 | 4,367,000 |
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 | 722,000 | 1,493,000 | 2,313,000 | 3,128,000 |
| Interest expense | 210,000 | 446,000 | 717,000 | 1,002,000 |
| Net interest income | 512,000 | 1,047,000 | 1,596,000 | 2,126,000 |
| Noninterest income | 78,000 | 187,000 | 283,000 | 399,000 |
| Noninterest expense | 421,000 | 857,000 | 1,286,000 | 1,757,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 163,000 | 365,000 | 575,000 | 744,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 163,000 | 365,000 | 574,000 | 743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,087,000 | 4,228,000 | 4,437,000 | 4,492,000 |
| Total capital | 4,450,000 | 4,590,000 | 4,804,000 | 4,842,000 |
| Risk-weighted assets | 36,485,000 | 40,753,000 | 41,387,000 | 39,269,000 |