Call reports 2008
MINERS BANK — 2008
What MINERS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 94,563,000 | 93,651,000 | 95,233,000 | 96,516,000 |
| Total loans | 57,350,000 | 60,319,000 | 66,301,000 | 70,989,000 |
| Allowance for loan losses | 226,000 | 251,000 | 285,000 | 306,000 |
| Securities available for sale | 18,138,000 | 17,666,000 | 17,094,000 | 14,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 3,478,000 | 3,483,000 | 1,981,000 | 1,981,000 |
| Total deposits | 84,780,000 | 84,113,000 | 85,708,000 | 86,669,000 |
| Interest-bearing deposits | 63,721,000 | 64,377,000 | 67,014,000 | 67,766,000 |
| Noninterest-bearing deposits | 21,059,000 | 19,736,000 | 18,694,000 | 18,903,000 |
| Equity capital | 9,453,000 | 9,288,000 | 9,245,000 | 9,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,228,000 | 2,402,000 | 3,641,000 | 4,910,000 |
| Interest expense | 376,000 | 715,000 | 1,062,000 | 1,425,000 |
| Net interest income | 852,000 | 1,687,000 | 2,579,000 | 3,485,000 |
| Noninterest income | 142,000 | 290,000 | 419,000 | 580,000 |
| Noninterest expense | 902,000 | 1,830,000 | 2,767,000 | 3,732,000 |
| Provision for loan losses | 24,000 | 48,000 | 88,000 | 165,000 |
| Pretax income | 68,000 | 99,000 | 143,000 | 204,000 |
| Income tax | 10,000 | 0 | 0 | 13,000 |
| Net income | 58,000 | 99,000 | 143,000 | 191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,226,000 | 8,287,000 | 8,319,000 | 8,397,000 |
| Total capital | 8,452,000 | 8,538,000 | 8,604,000 | 8,703,000 |
| Risk-weighted assets | 49,790,000 | 51,818,000 | 54,394,000 | 57,186,000 |
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