Call reports 2005
MISSISSIPPI RIVER BANK — 2005
What MISSISSIPPI RIVER 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 | 100,484,000 | 99,849,000 | 106,912,000 | 132,155,000 |
| Total loans | 66,533,000 | 67,374,000 | 67,873,000 | 65,946,000 |
| Allowance for loan losses | 1,050,000 | 1,007,000 | 1,041,000 | 1,010,000 |
| Securities available for sale | 17,718,000 | 16,691,000 | 17,648,000 | 25,517,000 |
| Securities held to maturity | 790,000 | 2,433,000 | 3,832,000 | 5,831,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,250,000 | 88,087,000 | 94,487,000 | 119,946,000 |
| Interest-bearing deposits | 56,550,000 | 57,202,000 | 61,750,000 | 72,459,000 |
| Noninterest-bearing deposits | 32,700,000 | 30,885,000 | 32,737,000 | 47,487,000 |
| Equity capital | 10,780,000 | 11,285,000 | 11,093,000 | 11,709,000 |
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 | 1,409,000 | 2,935,000 | 4,506,000 | 6,374,000 |
| Interest expense | 175,000 | 352,000 | 569,000 | 850,000 |
| Net interest income | 1,234,000 | 2,583,000 | 3,937,000 | 5,524,000 |
| Noninterest income | 232,000 | 467,000 | 660,000 | 743,000 |
| Noninterest expense | 793,000 | 1,610,000 | 2,406,000 | 3,085,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 643,000 | 1,380,000 | 2,101,000 | 3,062,000 |
| Income tax | 218,000 | 463,000 | 705,000 | 990,000 |
| Net income | 425,000 | 917,000 | 1,396,000 | 2,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,820,000 | 11,312,000 | 11,145,000 | 11,821,000 |
| Total capital | 11,775,000 | 12,230,000 | 12,115,000 | 12,831,000 |
| Risk-weighted assets | 76,336,000 | 73,356,000 | 77,674,000 | 82,347,000 |