Call reports 2005
MINNWEST BANK SIOUX FALLS — 2005
What MINNWEST BANK SIOUX FALLS 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 | 51,412,000 | 53,918,000 | 62,088,000 | 71,844,000 |
| Total loans | 46,956,000 | 49,349,000 | 55,635,000 | 57,613,000 |
| Allowance for loan losses | 663,000 | 697,000 | 732,000 | 764,000 |
| Securities available for sale | 1,490,000 | 2,012,000 | 1,740,000 | 5,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,063,000 | 43,011,000 | 51,751,000 | 61,137,000 |
| Interest-bearing deposits | 38,978,000 | 39,737,000 | 45,779,000 | 55,046,000 |
| Noninterest-bearing deposits | 4,085,000 | 3,274,000 | 5,972,000 | 6,091,000 |
| Equity capital | 4,915,000 | 5,104,000 | 5,304,000 | 5,435,000 |
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 | 843,000 | 1,804,000 | 2,918,000 | 4,088,000 |
| Interest expense | 251,000 | 535,000 | 927,000 | 1,405,000 |
| Net interest income | 592,000 | 1,269,000 | 1,991,000 | 2,683,000 |
| Noninterest income | 75,000 | 118,000 | 160,000 | 209,000 |
| Noninterest expense | 355,000 | 735,000 | 1,141,000 | 1,631,000 |
| Provision for loan losses | 51,000 | 105,000 | 141,000 | 177,000 |
| Pretax income | 261,000 | 547,000 | 869,000 | 1,084,000 |
| Income tax | 96,000 | 201,000 | 319,000 | 397,000 |
| Net income | 165,000 | 346,000 | 550,000 | 687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,929,000 | 5,110,000 | 5,315,000 | 5,452,000 |
| Total capital | 5,507,000 | 5,721,000 | 6,016,000 | 6,194,000 |
| Risk-weighted assets | 46,135,000 | 48,772,000 | 56,080,000 | 59,350,000 |