Call reports 2019
MINERS EXCHANGE BANK — 2019
What MINERS EXCHANGE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 92,667,000 | 89,834,000 | 100,758,000 | 84,845,000 |
| Total loans | 51,239,000 | 52,149,000 | 52,017,000 | 51,003,000 |
| Allowance for loan losses | 592,000 | 530,000 | 531,000 | 547,000 |
| Securities available for sale | 15,138,000 | 15,223,000 | 14,834,000 | 13,845,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,385,000 | 77,296,000 | 88,127,000 | 72,199,000 |
| Interest-bearing deposits | 35,647,000 | 34,609,000 | 49,987,000 | 34,194,000 |
| Noninterest-bearing deposits | 44,738,000 | 42,687,000 | 38,140,000 | 38,005,000 |
| Equity capital | 11,021,000 | 11,273,000 | 11,374,000 | 11,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,043,000 | 2,126,000 | 3,223,000 | 4,289,000 |
| Interest expense | 53,000 | 118,000 | 184,000 | 258,000 |
| Net interest income | 990,000 | 2,008,000 | 3,039,000 | 4,031,000 |
| Noninterest income | 142,000 | 300,000 | 428,000 | 500,000 |
| Noninterest expense | 1,016,000 | 2,052,000 | 3,100,000 | 4,209,000 |
| Provision for loan losses | 14,000 | 56,000 | 81,000 | 142,000 |
| Pretax income | 102,000 | 200,000 | 286,000 | 180,000 |
| Income tax | 18,000 | 38,000 | 56,000 | 81,000 |
| Net income | 84,000 | 162,000 | 230,000 | 99,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,238,000 | 11,316,000 | 11,385,000 | 11,254,000 |
| Total capital | 11,830,000 | 11,846,000 | 11,916,000 | 11,801,000 |
| Risk-weighted assets | 51,137,000 | 50,779,000 | 53,648,000 | 49,216,000 |