Call reports 2013
MINERS EXCHANGE BANK — 2013
What MINERS EXCHANGE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 136,886,000 | 144,332,000 | 139,992,000 | 118,177,000 |
| Total loans | 66,199,000 | 65,750,000 | 66,034,000 | 64,608,000 |
| Allowance for loan losses | 1,019,000 | 997,000 | 992,000 | 983,000 |
| Securities available for sale | 42,345,000 | 38,293,000 | 36,489,000 | 31,899,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,942,000 | 134,022,000 | 129,725,000 | 107,969,000 |
| Interest-bearing deposits | 84,169,000 | 90,781,000 | 85,394,000 | 68,115,000 |
| Noninterest-bearing deposits | 41,773,000 | 43,241,000 | 44,331,000 | 39,854,000 |
| Equity capital | 9,848,000 | 9,297,000 | 9,265,000 | 9,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,442,000 | 2,851,000 | 4,330,000 | 5,757,000 |
| Interest expense | 123,000 | 242,000 | 351,000 | 444,000 |
| Net interest income | 1,319,000 | 2,609,000 | 3,979,000 | 5,313,000 |
| Noninterest income | 166,000 | 350,000 | 537,000 | 691,000 |
| Noninterest expense | 1,216,000 | 2,415,000 | 3,605,000 | 4,824,000 |
| Provision for loan losses | 18,000 | 56,000 | 157,000 | 221,000 |
| Pretax income | 251,000 | 488,000 | 754,000 | 932,000 |
| Income tax | 74,000 | 151,000 | 240,000 | 302,000 |
| Net income | 177,000 | 337,000 | 514,000 | 630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,732,000 | 9,892,000 | 10,068,000 | 10,184,000 |
| Total capital | 10,598,000 | 10,780,000 | 10,950,000 | 11,006,000 |
| Risk-weighted assets | 69,140,000 | 70,920,000 | 70,472,000 | 65,590,000 |