Call reports 2005
MINERS EXCHANGE BANK — 2005
What MINERS EXCHANGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 70,538,000 | 71,117,000 | 71,030,000 | 70,287,000 |
| Total loans | 34,402,000 | 35,267,000 | 36,430,000 | 37,382,000 |
| Allowance for loan losses | 542,000 | 577,000 | 588,000 | 565,000 |
| Securities available for sale | 20,021,000 | 21,297,000 | 20,747,000 | 20,833,000 |
| Securities held to maturity | 1,150,000 | 1,150,000 | 400,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,613,000 | 62,986,000 | 62,830,000 | 61,967,000 |
| Interest-bearing deposits | 45,473,000 | 46,312,000 | 45,377,000 | 44,911,000 |
| Noninterest-bearing deposits | 17,140,000 | 16,674,000 | 17,453,000 | 17,056,000 |
| Equity capital | 7,494,000 | 7,762,000 | 7,865,000 | 7,870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 996,000 | 2,019,000 | 3,052,000 | 4,098,000 |
| Interest expense | 147,000 | 313,000 | 496,000 | 690,000 |
| Net interest income | 849,000 | 1,706,000 | 2,556,000 | 3,408,000 |
| Noninterest income | 66,000 | 142,000 | 222,000 | 300,000 |
| Noninterest expense | 660,000 | 1,315,000 | 1,972,000 | 2,824,000 |
| Provision for loan losses | 15,000 | 37,000 | 82,000 | 87,000 |
| Pretax income | 241,000 | 497,000 | 727,000 | 800,000 |
| Income tax | 85,000 | 169,000 | 247,000 | 203,000 |
| Net income | 156,000 | 328,000 | 480,000 | 597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,693,000 | 7,865,000 | 8,017,000 | 8,133,000 |
| Total capital | 8,175,000 | 8,341,000 | 8,500,000 | 8,625,000 |
| Risk-weighted assets | 38,498,000 | 37,941,000 | 38,573,000 | 39,250,000 |
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