Call reports 2004
UNITED PRAIRIE BANK - OWATONNA — 2004
What UNITED PRAIRIE BANK - OWATONNA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 103,102,000 | 100,314,000 | 101,695,000 | 105,368,000 |
| Total loans | 66,140,000 | 70,747,000 | 72,686,000 | 72,778,000 |
| Allowance for loan losses | 1,004,000 | 1,029,000 | 1,055,000 | 1,023,000 |
| Securities available for sale | 11,509,000 | 14,076,000 | 13,100,000 | 12,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,528,000 | 85,547,000 | 86,152,000 | 89,478,000 |
| Interest-bearing deposits | 79,066,000 | 77,657,000 | 78,138,000 | 79,473,000 |
| Noninterest-bearing deposits | 9,461,000 | 7,891,000 | 8,014,000 | 10,005,000 |
| Equity capital | 12,258,000 | 12,446,000 | 12,890,000 | 12,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,233,000 | 2,546,000 | 3,926,000 | 5,262,000 |
| Interest expense | 347,000 | 715,000 | 1,080,000 | 1,432,000 |
| Net interest income | 886,000 | 1,831,000 | 2,846,000 | 3,830,000 |
| Noninterest income | 140,000 | 914,000 | 1,059,000 | 1,230,000 |
| Noninterest expense | 676,000 | 1,522,000 | 2,313,000 | 3,157,000 |
| Provision for loan losses | 9,000 | 33,000 | 60,000 | 112,000 |
| Pretax income | 341,000 | 1,190,000 | 1,532,000 | 1,791,000 |
| Income tax | 135,000 | 147,000 | 159,000 | 171,000 |
| Net income | 206,000 | 1,043,000 | 1,373,000 | 1,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,900,000 | 7,482,000 | 7,674,000 | 7,820,000 |
| Total capital | 7,824,000 | 8,434,000 | 8,648,000 | 8,795,000 |
| Risk-weighted assets | 73,819,000 | 76,068,000 | 77,808,000 | 77,925,000 |