Call reports 2003
MINERS EXCHANGE BANK — 2003
What MINERS EXCHANGE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 64,680,000 | 65,934,000 | 67,646,000 | 68,119,000 |
| Total loans | 36,575,000 | 35,987,000 | 35,603,000 | 34,987,000 |
| Allowance for loan losses | 594,000 | 571,000 | 570,000 | 561,000 |
| Securities available for sale | 12,738,000 | 12,164,000 | 12,463,000 | 16,162,000 |
| Securities held to maturity | 1,500,000 | 1,500,000 | 1,150,000 | 1,150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,254,000 | 58,376,000 | 60,027,000 | 60,295,000 |
| Interest-bearing deposits | 43,114,000 | 43,682,000 | 45,691,000 | 45,567,000 |
| Noninterest-bearing deposits | 14,140,000 | 14,694,000 | 14,336,000 | 14,728,000 |
| Equity capital | 7,073,000 | 7,282,000 | 7,373,000 | 7,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,040,000 | 2,085,000 | 3,080,000 | 4,077,000 |
| Interest expense | 181,000 | 342,000 | 491,000 | 623,000 |
| Net interest income | 859,000 | 1,743,000 | 2,589,000 | 3,454,000 |
| Noninterest income | 61,000 | 119,000 | 163,000 | 246,000 |
| Noninterest expense | 618,000 | 1,265,000 | 1,927,000 | 2,634,000 |
| Provision for loan losses | 38,000 | 38,000 | 66,000 | 119,000 |
| Pretax income | 295,000 | 431,000 | 649,000 | 848,000 |
| Income tax | 109,000 | 190,000 | 231,000 | 267,000 |
| Net income | 186,000 | 241,000 | 418,000 | 581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,009,000 | 7,063,000 | 7,240,000 | 7,404,000 |
| Total capital | 7,494,000 | 7,537,000 | 7,718,000 | 7,889,000 |
| Risk-weighted assets | 38,677,000 | 37,827,000 | 38,172,000 | 38,732,000 |
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