Call reports 2006
MINNWEST BANK SIOUX FALLS — 2006
What MINNWEST BANK SIOUX FALLS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 70,228,000 | 74,364,000 | 76,406,000 | 91,308,000 |
| Total loans | 59,960,000 | 61,595,000 | 65,084,000 | 67,526,000 |
| Allowance for loan losses | 797,000 | 831,000 | 860,000 | 892,000 |
| Securities available for sale | 6,135,000 | 6,812,000 | 6,719,000 | 8,302,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,324,000 | 64,293,000 | 66,294,000 | 80,190,000 |
| Interest-bearing deposits | 55,218,000 | 59,077,000 | 61,366,000 | 69,794,000 |
| Noninterest-bearing deposits | 4,106,000 | 5,216,000 | 4,928,000 | 10,396,000 |
| Equity capital | 5,628,000 | 5,863,000 | 6,061,000 | 6,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,283,000 | 2,702,000 | 4,183,000 | 5,870,000 |
| Interest expense | 572,000 | 1,203,000 | 1,910,000 | 2,717,000 |
| Net interest income | 711,000 | 1,499,000 | 2,273,000 | 3,153,000 |
| Noninterest income | 84,000 | 144,000 | 221,000 | 304,000 |
| Noninterest expense | 443,000 | 866,000 | 1,408,000 | 1,985,000 |
| Provision for loan losses | 33,000 | 66,000 | 99,000 | 132,000 |
| Pretax income | 319,000 | 711,000 | 987,000 | 1,340,000 |
| Income tax | 117,000 | 261,000 | 362,000 | 492,000 |
| Net income | 202,000 | 450,000 | 625,000 | 848,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,654,000 | 5,902,000 | 6,076,000 | 6,750,000 |
| Total capital | 6,399,000 | 6,671,000 | 6,882,000 | 7,620,000 |
| Risk-weighted assets | 59,538,000 | 61,428,000 | 64,450,000 | 69,575,000 |