Call reports 2004
MINERS EXCHANGE BANK — 2004
What MINERS EXCHANGE BANK 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 | 73,081,000 | 70,061,000 | 69,935,000 | 70,260,000 |
| Total loans | 35,232,000 | 34,957,000 | 34,821,000 | 34,519,000 |
| Allowance for loan losses | 580,000 | 588,000 | 583,000 | 531,000 |
| Securities available for sale | 15,951,000 | 16,593,000 | 17,888,000 | 19,145,000 |
| Securities held to maturity | 1,150,000 | 1,150,000 | 1,150,000 | 1,150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,193,000 | 62,348,000 | 61,887,000 | 62,026,000 |
| Interest-bearing deposits | 48,084,000 | 47,299,000 | 45,377,000 | 45,992,000 |
| Noninterest-bearing deposits | 17,109,000 | 15,049,000 | 16,510,000 | 16,034,000 |
| Equity capital | 7,500,000 | 7,412,000 | 7,719,000 | 7,819,000 |
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 | 991,000 | 1,990,000 | 2,986,000 | 3,991,000 |
| Interest expense | 133,000 | 269,000 | 402,000 | 539,000 |
| Net interest income | 858,000 | 1,721,000 | 2,584,000 | 3,452,000 |
| Noninterest income | 64,000 | 129,000 | 195,000 | 266,000 |
| Noninterest expense | 635,000 | 1,267,000 | 1,913,000 | 2,643,000 |
| Provision for loan losses | 37,000 | 68,000 | 98,000 | 114,000 |
| Pretax income | 253,000 | 518,000 | 771,000 | 1,039,000 |
| Income tax | 82,000 | 166,000 | 247,000 | 331,000 |
| Net income | 171,000 | 352,000 | 524,000 | 708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,287,000 | 7,468,000 | 7,640,000 | 7,823,000 |
| Total capital | 7,794,000 | 7,966,000 | 8,127,000 | 8,304,000 |
| Risk-weighted assets | 40,505,000 | 39,721,000 | 38,885,000 | 38,408,000 |
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