Call reports 2006
MINERS EXCHANGE BANK — 2006
What MINERS EXCHANGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 75,088,000 | 74,206,000 | 82,530,000 | 83,151,000 |
| Total loans | 38,778,000 | 42,488,000 | 43,921,000 | 43,882,000 |
| Allowance for loan losses | 549,000 | 562,000 | 577,000 | 605,000 |
| Securities available for sale | 20,996,000 | 20,458,000 | 20,029,000 | 19,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,840,000 | 65,912,000 | 73,868,000 | 74,273,000 |
| Interest-bearing deposits | 47,528,000 | 46,156,000 | 52,489,000 | 54,600,000 |
| Noninterest-bearing deposits | 19,312,000 | 19,756,000 | 21,379,000 | 19,673,000 |
| Equity capital | 7,689,000 | 7,789,000 | 8,136,000 | 8,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,054,000 | 2,252,000 | 3,459,000 | 4,944,000 |
| Interest expense | 197,000 | 413,000 | 651,000 | 1,132,000 |
| Net interest income | 857,000 | 1,839,000 | 2,808,000 | 3,812,000 |
| Noninterest income | 71,000 | 139,000 | 211,000 | 273,000 |
| Noninterest expense | 727,000 | 1,455,000 | 2,231,000 | 3,032,000 |
| Provision for loan losses | 16,000 | 63,000 | 92,000 | 120,000 |
| Pretax income | 174,000 | 454,000 | 689,000 | 927,000 |
| Income tax | 60,000 | 163,000 | 228,000 | 301,000 |
| Net income | 114,000 | 291,000 | 461,000 | 626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,960,000 | 8,138,000 | 8,307,000 | 8,428,000 |
| Total capital | 8,456,000 | 8,614,000 | 8,846,000 | 8,983,000 |
| Risk-weighted assets | 39,595,000 | 37,993,000 | 43,101,000 | 44,352,000 |
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