Call reports 2014
MINERS STATE BANK, THE — 2014
What MINERS STATE BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 121,299,000 | 119,550,000 | 122,531,000 | 120,955,000 |
| Total loans | 77,751,000 | 80,951,000 | 81,842,000 | 82,201,000 |
| Allowance for loan losses | 929,000 | 853,000 | 848,000 | 866,000 |
| Securities available for sale | 31,754,000 | 28,927,000 | 27,156,000 | 26,899,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,747,000 | 104,881,000 | 109,536,000 | 107,565,000 |
| Interest-bearing deposits | 93,003,000 | 88,954,000 | 90,363,000 | 90,209,000 |
| Noninterest-bearing deposits | 15,744,000 | 15,927,000 | 19,173,000 | 17,356,000 |
| Equity capital | 11,229,000 | 11,622,000 | 11,735,000 | 12,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,181,000 | 2,378,000 | 3,597,000 | 4,815,000 |
| Interest expense | 126,000 | 246,000 | 359,000 | 475,000 |
| Net interest income | 1,055,000 | 2,132,000 | 3,238,000 | 4,340,000 |
| Noninterest income | 123,000 | 243,000 | 381,000 | 450,000 |
| Noninterest expense | 937,000 | 1,861,000 | 2,792,000 | 3,775,000 |
| Provision for loan losses | 0 | 6,000 | 45,000 | 95,000 |
| Pretax income | 241,000 | 514,000 | 818,000 | 956,000 |
| Income tax | 90,000 | 126,000 | 204,000 | 184,000 |
| Net income | 151,000 | 388,000 | 614,000 | 772,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,307,000 | 11,447,000 | 11,565,000 | 11,641,000 |
| Total capital | 12,236,000 | 12,300,000 | 12,413,000 | 12,507,000 |
| Risk-weighted assets | 88,351,000 | 90,084,000 | 91,452,000 | 91,816,000 |