Call reports 2008
MINERS STATE BANK, THE — 2008
What MINERS STATE BANK, THE 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 | 97,887,000 | 98,757,000 | 101,269,000 | 101,156,000 |
| Total loans | 69,381,000 | 72,430,000 | 75,378,000 | 74,239,000 |
| Allowance for loan losses | 930,000 | 1,005,000 | 1,034,000 | 1,031,000 |
| Securities available for sale | 20,068,000 | 16,406,000 | 16,189,000 | 18,594,000 |
| Securities held to maturity | 398,000 | 398,000 | 394,000 | 394,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,970,000 | 82,217,000 | 81,945,000 | 80,985,000 |
| Interest-bearing deposits | 72,574,000 | 71,350,000 | 71,908,000 | 71,081,000 |
| Noninterest-bearing deposits | 9,396,000 | 10,867,000 | 10,037,000 | 9,904,000 |
| Equity capital | 8,857,000 | 8,136,000 | 9,925,000 | 10,331,000 |
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 | 1,508,000 | 2,903,000 | 4,340,000 | 5,695,000 |
| Interest expense | 701,000 | 1,307,000 | 1,842,000 | 2,349,000 |
| Net interest income | 807,000 | 1,596,000 | 2,498,000 | 3,346,000 |
| Noninterest income | 105,000 | 235,000 | 355,000 | 467,000 |
| Noninterest expense | 716,000 | 1,378,000 | 2,104,000 | 2,773,000 |
| Provision for loan losses | 0 | 84,000 | 116,000 | 148,000 |
| Pretax income | 196,000 | 416,000 | 709,000 | 992,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 196,000 | 416,000 | 709,000 | 992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,174,000 | 8,199,000 | 9,987,000 | 10,090,000 |
| Total capital | 9,092,000 | 9,154,000 | 10,966,000 | 11,013,000 |
| Risk-weighted assets | 73,462,000 | 76,354,000 | 78,255,000 | 73,698,000 |
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