Call reports 2013
MINERS BANK — 2013
What MINERS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 133,351,000 | 132,856,000 | 136,160,000 | 137,443,000 |
| Total loans | 111,706,000 | 110,626,000 | 112,041,000 | 112,294,000 |
| Allowance for loan losses | 1,249,000 | 1,136,000 | 1,187,000 | 1,227,000 |
| Securities available for sale | 12,294,000 | 11,862,000 | 12,672,000 | 12,632,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,804,000 | 113,470,000 | 117,152,000 | 112,982,000 |
| Interest-bearing deposits | 91,196,000 | 90,985,000 | 96,865,000 | 89,872,000 |
| Noninterest-bearing deposits | 22,608,000 | 22,485,000 | 20,287,000 | 23,110,000 |
| Equity capital | 15,094,000 | 15,061,000 | 15,252,000 | 15,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,475,000 | 2,958,000 | 4,437,000 | 5,933,000 |
| Interest expense | 147,000 | 282,000 | 412,000 | 536,000 |
| Net interest income | 1,328,000 | 2,676,000 | 4,025,000 | 5,397,000 |
| Noninterest income | 174,000 | 313,000 | 489,000 | 658,000 |
| Noninterest expense | 1,299,000 | 2,590,000 | 3,964,000 | 5,254,000 |
| Provision for loan losses | 23,000 | 70,000 | 160,000 | 218,000 |
| Pretax income | 180,000 | 329,000 | 561,000 | 754,000 |
| Income tax | 42,000 | 73,000 | 130,000 | 164,000 |
| Net income | 138,000 | 256,000 | 431,000 | 590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,268,000 | 14,397,000 | 14,582,000 | 14,753,000 |
| Total capital | 15,517,000 | 15,533,000 | 15,769,000 | 15,980,000 |
| Risk-weighted assets | 99,956,000 | 99,461,000 | 102,259,000 | 103,608,000 |
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