Call reports 2012
MINERS BANK — 2012
What MINERS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 132,165,000 | 137,591,000 | 135,358,000 | 131,913,000 |
| Total loans | 96,256,000 | 100,586,000 | 106,122,000 | 109,397,000 |
| Allowance for loan losses | 1,165,000 | 1,010,000 | 1,200,000 | 1,227,000 |
| Securities available for sale | 12,501,000 | 14,500,000 | 12,933,000 | 12,505,000 |
| Securities held to maturity | 5,049,000 | 4,808,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,389,000 | 119,665,000 | 116,786,000 | 111,773,000 |
| Interest-bearing deposits | 89,432,000 | 94,535,000 | 92,584,000 | 88,014,000 |
| Noninterest-bearing deposits | 24,957,000 | 25,130,000 | 24,202,000 | 23,759,000 |
| Equity capital | 14,402,000 | 14,457,000 | 14,935,000 | 14,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,494,000 | 2,979,000 | 4,534,000 | 6,036,000 |
| Interest expense | 224,000 | 449,000 | 649,000 | 808,000 |
| Net interest income | 1,270,000 | 2,530,000 | 3,885,000 | 5,228,000 |
| Noninterest income | 149,000 | 216,000 | 369,000 | 525,000 |
| Noninterest expense | 1,207,000 | 2,495,000 | 3,948,000 | 5,244,000 |
| Provision for loan losses | 20,000 | 35,000 | 225,000 | 253,000 |
| Pretax income | 192,000 | 228,000 | 874,000 | 1,049,000 |
| Income tax | 46,000 | 41,000 | 233,000 | 260,000 |
| Net income | 146,000 | 187,000 | 641,000 | 789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,538,000 | 13,595,000 | 14,059,000 | 14,118,000 |
| Total capital | 14,675,000 | 14,605,000 | 15,259,000 | 15,345,000 |
| Risk-weighted assets | 90,836,000 | 95,345,000 | 97,316,000 | 98,389,000 |
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