Call reports 2016
MINERS EXCHANGE BANK — 2016
What MINERS EXCHANGE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 109,178,000 | 107,283,000 | 111,221,000 | 109,653,000 |
| Total loans | 54,168,000 | 54,724,000 | 54,605,000 | 54,579,000 |
| Allowance for loan losses | 722,000 | 713,000 | 677,000 | 685,000 |
| Securities available for sale | 26,046,000 | 26,516,000 | 25,418,000 | 25,506,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,265,000 | 95,209,000 | 99,061,000 | 97,726,000 |
| Interest-bearing deposits | 51,051,000 | 51,135,000 | 49,846,000 | 49,091,000 |
| Noninterest-bearing deposits | 46,214,000 | 44,074,000 | 49,215,000 | 48,635,000 |
| Equity capital | 10,741,000 | 10,899,000 | 10,972,000 | 10,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,121,000 | 2,314,000 | 3,471,000 | 4,619,000 |
| Interest expense | 60,000 | 119,000 | 176,000 | 230,000 |
| Net interest income | 1,061,000 | 2,195,000 | 3,295,000 | 4,389,000 |
| Noninterest income | 133,000 | 251,000 | 379,000 | 532,000 |
| Noninterest expense | 1,083,000 | 2,157,000 | 3,218,000 | 4,289,000 |
| Provision for loan losses | 0 | 20,000 | 50,000 | 75,000 |
| Pretax income | 111,000 | 270,000 | 409,000 | 560,000 |
| Income tax | 33,000 | 83,000 | 126,000 | 179,000 |
| Net income | 78,000 | 187,000 | 283,000 | 381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,654,000 | 10,762,000 | 10,858,000 | 10,956,000 |
| Total capital | 11,380,000 | 11,489,000 | 11,540,000 | 11,668,000 |
| Risk-weighted assets | 60,129,000 | 59,273,000 | 60,404,000 | 59,152,000 |