Call reports 2007
MINNWEST BANK SIOUX FALLS — 2007
What MINNWEST BANK SIOUX FALLS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 89,739,000 | 86,878,000 | 86,255,000 | 90,808,000 |
| Total loans | 70,695,000 | 72,898,000 | 75,292,000 | 80,049,000 |
| Allowance for loan losses | 925,000 | 958,000 | 695,000 | 480,000 |
| Securities available for sale | 7,992,000 | 10,237,000 | 6,816,000 | 6,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,325,000 | 74,162,000 | 72,881,000 | 76,782,000 |
| Interest-bearing deposits | 72,293,000 | 67,979,000 | 65,636,000 | 68,337,000 |
| Noninterest-bearing deposits | 6,032,000 | 6,183,000 | 7,245,000 | 8,445,000 |
| Equity capital | 6,957,000 | 7,190,000 | 7,430,000 | 7,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,647,000 | 3,376,000 | 5,088,000 | 6,815,000 |
| Interest expense | 854,000 | 1,725,000 | 2,595,000 | 3,415,000 |
| Net interest income | 793,000 | 1,651,000 | 2,493,000 | 3,400,000 |
| Noninterest income | 118,000 | 206,000 | 282,000 | 367,000 |
| Noninterest expense | 551,000 | 1,047,000 | 1,616,000 | 2,233,000 |
| Provision for loan losses | 33,000 | 66,000 | 99,000 | 132,000 |
| Pretax income | 327,000 | 744,000 | 1,060,000 | 1,402,000 |
| Income tax | 120,000 | 273,000 | 389,000 | 514,000 |
| Net income | 207,000 | 471,000 | 671,000 | 888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,956,000 | 7,221,000 | 7,421,000 | 7,638,000 |
| Total capital | 7,853,000 | 8,129,000 | 8,116,000 | 8,118,000 |
| Risk-weighted assets | 71,727,000 | 72,562,000 | 73,800,000 | 78,092,000 |