Call reports 2007
MINERS EXCHANGE BANK — 2007
What MINERS EXCHANGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 83,659,000 | 93,377,000 | 79,691,000 | 75,178,000 |
| Total loans | 43,826,000 | 45,045,000 | 48,680,000 | 49,968,000 |
| Allowance for loan losses | 584,000 | 564,000 | 580,000 | 569,000 |
| Securities available for sale | 21,288,000 | 21,821,000 | 19,600,000 | 13,444,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,826,000 | 84,526,000 | 70,586,000 | 64,968,000 |
| Interest-bearing deposits | 54,269,000 | 56,069,000 | 51,769,000 | 46,069,000 |
| Noninterest-bearing deposits | 20,557,000 | 28,457,000 | 18,817,000 | 18,899,000 |
| Equity capital | 8,158,000 | 8,199,000 | 8,481,000 | 8,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,272,000 | 2,601,000 | 4,016,000 | 5,310,000 |
| Interest expense | 385,000 | 794,000 | 1,191,000 | 1,542,000 |
| Net interest income | 887,000 | 1,807,000 | 2,825,000 | 3,768,000 |
| Noninterest income | 66,000 | 122,000 | 203,000 | 261,000 |
| Noninterest expense | 751,000 | 1,535,000 | 2,339,000 | 3,317,000 |
| Provision for loan losses | 12,000 | 21,000 | 50,000 | 66,000 |
| Pretax income | 190,000 | 373,000 | 638,000 | 652,000 |
| Income tax | 62,000 | 122,000 | 209,000 | 215,000 |
| Net income | 128,000 | 251,000 | 429,000 | 437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,257,000 | 8,380,000 | 8,558,000 | 8,566,000 |
| Total capital | 8,811,000 | 8,944,000 | 9,130,000 | 9,133,000 |
| Risk-weighted assets | 44,257,000 | 47,368,000 | 45,733,000 | 45,351,000 |
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