Call reports 2004
MINERS STATE BANK, THE — 2004
What MINERS STATE BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 74,640,000 | 73,637,000 | 73,260,000 | 74,111,000 |
| Total loans | 52,918,000 | 52,481,000 | 55,175,000 | 57,216,000 |
| Allowance for loan losses | 564,000 | 589,000 | 632,000 | 669,000 |
| Securities available for sale | 10,300,000 | 10,858,000 | 9,479,000 | 7,350,000 |
| Securities held to maturity | 375,000 | 375,000 | 495,000 | 470,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,434,000 | 59,315,000 | 58,996,000 | 59,440,000 |
| Interest-bearing deposits | 53,486,000 | 53,365,000 | 52,959,000 | 51,909,000 |
| Noninterest-bearing deposits | 5,948,000 | 5,951,000 | 6,037,000 | 7,531,000 |
| Equity capital | 6,990,000 | 6,792,000 | 7,002,000 | 7,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 847,000 | 1,710,000 | 2,639,000 | 3,642,000 |
| Interest expense | 297,000 | 602,000 | 895,000 | 1,196,000 |
| Net interest income | 550,000 | 1,108,000 | 1,744,000 | 2,446,000 |
| Noninterest income | 80,000 | 157,000 | 261,000 | 364,000 |
| Noninterest expense | 481,000 | 959,000 | 1,472,000 | 1,964,000 |
| Provision for loan losses | 9,000 | 55,000 | 114,000 | 158,000 |
| Pretax income | 140,000 | 251,000 | 431,000 | 700,000 |
| Income tax | 0 | 0 | 0 | 25,000 |
| Net income | 140,000 | 251,000 | 431,000 | 675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,984,000 | 6,981,000 | 7,023,000 | 7,089,000 |
| Total capital | 7,548,000 | 7,570,000 | 7,655,000 | 7,758,000 |
| Risk-weighted assets | 55,250,000 | 55,287,000 | 57,848,000 | 60,392,000 |
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