Call reports 2009
MINERS BANK — 2009
What MINERS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 99,620,000 | 107,138,000 | 105,774,000 | 108,259,000 |
| Total loans | 73,686,000 | 81,677,000 | 85,298,000 | 85,415,000 |
| Allowance for loan losses | 337,000 | 823,000 | 869,000 | 857,000 |
| Securities available for sale | 13,263,000 | 10,378,000 | 11,221,000 | 12,487,000 |
| Securities held to maturity | 0 | 0 | 3,500,000 | 1,500,000 |
| Trading assets | 2,997,000 | 1,998,000 | 0 | 0 |
| Total deposits | 89,750,000 | 97,733,000 | 95,897,000 | 98,647,000 |
| Interest-bearing deposits | 69,344,000 | 77,546,000 | 76,181,000 | 77,623,000 |
| Noninterest-bearing deposits | 20,406,000 | 20,187,000 | 19,716,000 | 21,024,000 |
| Equity capital | 9,577,000 | 9,043,000 | 9,192,000 | 9,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,212,000 | 2,489,000 | 3,878,000 | 5,256,000 |
| Interest expense | 350,000 | 694,000 | 1,080,000 | 1,428,000 |
| Net interest income | 862,000 | 1,795,000 | 2,798,000 | 3,828,000 |
| Noninterest income | 121,000 | 259,000 | 418,000 | 563,000 |
| Noninterest expense | 902,000 | 2,119,000 | 3,076,000 | 3,995,000 |
| Provision for loan losses | 30,000 | 649,000 | 712,000 | 767,000 |
| Pretax income | 51,000 | -714,000 | -572,000 | -371,000 |
| Income tax | 1,000 | -270,000 | -237,000 | -188,000 |
| Net income | 50,000 | -444,000 | -335,000 | -183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,402,000 | 7,909,000 | 7,973,000 | 8,144,000 |
| Total capital | 8,738,000 | 8,732,000 | 8,842,000 | 9,001,000 |
| Risk-weighted assets | 58,778,000 | 68,602,000 | 70,391,000 | 71,773,000 |
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