Call reports 2012
MINERS EXCHANGE BANK — 2012
What MINERS EXCHANGE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 152,460,000 | 148,921,000 | 143,282,000 | 138,444,000 |
| Total loans | 64,612,000 | 66,052,000 | 65,503,000 | 66,409,000 |
| Allowance for loan losses | 1,030,000 | 1,034,000 | 1,042,000 | 1,044,000 |
| Securities available for sale | 34,149,000 | 36,212,000 | 36,046,000 | 39,574,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,095,000 | 138,186,000 | 132,428,000 | 127,514,000 |
| Interest-bearing deposits | 92,881,000 | 85,619,000 | 82,781,000 | 86,968,000 |
| Noninterest-bearing deposits | 49,214,000 | 52,567,000 | 49,647,000 | 40,546,000 |
| Equity capital | 9,443,000 | 9,668,000 | 9,873,000 | 10,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,468,000 | 2,958,000 | 4,430,000 | 5,912,000 |
| Interest expense | 218,000 | 409,000 | 585,000 | 727,000 |
| Net interest income | 1,250,000 | 2,549,000 | 3,845,000 | 5,185,000 |
| Noninterest income | 151,000 | 329,000 | 502,000 | 674,000 |
| Noninterest expense | 1,155,000 | 2,322,000 | 3,542,000 | 4,816,000 |
| Provision for loan losses | 26,000 | 64,000 | 83,000 | 116,000 |
| Pretax income | 225,000 | 497,000 | 727,000 | 932,000 |
| Income tax | 75,000 | 173,000 | 244,000 | 269,000 |
| Net income | 150,000 | 324,000 | 483,000 | 663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,341,000 | 9,515,000 | 9,673,000 | 9,854,000 |
| Total capital | 10,221,000 | 10,399,000 | 10,543,000 | 10,715,000 |
| Risk-weighted assets | 70,248,000 | 70,582,000 | 69,456,000 | 68,708,000 |