Call reports 2014
MINERS EXCHANGE BANK — 2014
What MINERS EXCHANGE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 114,998,000 | 108,670,000 | 103,522,000 | 104,541,000 |
| Total loans | 61,617,000 | 60,584,000 | 59,657,000 | 58,889,000 |
| Allowance for loan losses | 947,000 | 924,000 | 910,000 | 807,000 |
| Securities available for sale | 32,720,000 | 32,711,000 | 26,113,000 | 25,874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,281,000 | 97,582,000 | 92,169,000 | 93,268,000 |
| Interest-bearing deposits | 64,793,000 | 59,912,000 | 56,171,000 | 52,685,000 |
| Noninterest-bearing deposits | 39,488,000 | 37,670,000 | 35,998,000 | 40,583,000 |
| Equity capital | 9,648,000 | 10,029,000 | 10,164,000 | 10,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,320,000 | 2,617,000 | 3,886,000 | 5,105,000 |
| Interest expense | 82,000 | 162,000 | 240,000 | 315,000 |
| Net interest income | 1,238,000 | 2,455,000 | 3,646,000 | 4,790,000 |
| Noninterest income | 166,000 | 288,000 | 446,000 | 489,000 |
| Noninterest expense | 1,167,000 | 2,341,000 | 3,524,000 | 4,719,000 |
| Provision for loan losses | 16,000 | 28,000 | 58,000 | 127,000 |
| Pretax income | 221,000 | 448,000 | 674,000 | 597,000 |
| Income tax | 70,000 | 139,000 | 207,000 | 148,000 |
| Net income | 151,000 | 309,000 | 467,000 | 449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,105,000 | 10,263,000 | 10,422,000 | 10,403,000 |
| Total capital | 10,890,000 | 11,026,000 | 11,163,000 | 11,134,000 |
| Risk-weighted assets | 62,672,000 | 60,849,000 | 59,097,000 | 58,391,000 |