Call reports 2005
BORDER STATE BANK OF INTERNATIONAL FALLS — 2005
What BORDER STATE BANK OF INTERNATIONAL 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 |
|---|---|---|---|
| Total assets | 37,022,000 | 38,895,000 | 39,256,000 |
| Total loans | 33,069,000 | 34,722,000 | 34,778,000 |
| Allowance for loan losses | 460,000 | 483,000 | 512,000 |
| Securities available for sale | 893,000 | 1,096,000 | 993,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 33,070,000 | 33,657,000 | 34,905,000 |
| Interest-bearing deposits | 27,760,000 | 27,878,000 | 28,626,000 |
| Noninterest-bearing deposits | 5,310,000 | 5,779,000 | 6,279,000 |
| Equity capital | 3,236,000 | 3,405,000 | 3,573,000 |
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 |
|---|---|---|---|
| Interest income | 589,000 | 1,263,000 | 1,948,000 |
| Interest expense | 160,000 | 345,000 | 555,000 |
| Net interest income | 429,000 | 918,000 | 1,393,000 |
| Noninterest income | 94,000 | 215,000 | 357,000 |
| Noninterest expense | 290,000 | 589,000 | 891,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 |
| Pretax income | 203,000 | 484,000 | 769,000 |
| Income tax | 83,000 | 196,000 | 311,000 |
| Net income | 120,000 | 288,000 | 458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Tier 1 capital | 3,240,000 | 3,407,000 | 3,569,000 |
| Total capital | 3,644,000 | 3,839,000 | 4,007,000 |
| Risk-weighted assets | 32,322,000 | 34,500,000 | 34,944,000 |