Call reports 2025
MINERS EXCHANGE BANK — 2025
What MINERS EXCHANGE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 94,645,000 | 93,989,000 | 91,674,000 | 95,121,000 |
| Total loans | 56,717,000 | 56,564,000 | 57,194,000 | 58,325,000 |
| Allowance for loan losses | 601,000 | 620,000 | 621,000 | 629,000 |
| Securities available for sale | 21,159,000 | 20,028,000 | 19,061,000 | 18,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,392,000 | 81,560,000 | 78,905,000 | 82,202,000 |
| Interest-bearing deposits | 39,045,000 | 39,316,000 | 38,658,000 | 38,646,000 |
| Noninterest-bearing deposits | 43,347,000 | 42,244,000 | 40,247,000 | 43,556,000 |
| Equity capital | 10,539,000 | 10,782,000 | 11,079,000 | 11,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,211,000 | 2,477,000 | 3,713,000 | 5,029,000 |
| Interest expense | 218,000 | 415,000 | 611,000 | 804,000 |
| Net interest income | 993,000 | 2,062,000 | 3,102,000 | 4,225,000 |
| Noninterest income | 141,000 | 311,000 | 466,000 | 603,000 |
| Noninterest expense | 1,129,000 | 2,257,000 | 3,360,000 | 4,524,000 |
| Provision for loan losses | 0 | 10,000 | 13,000 | 49,000 |
| Pretax income | 5,000 | 106,000 | 195,000 | 255,000 |
| Income tax | 0 | 18,000 | 32,000 | 51,000 |
| Net income | 5,000 | 88,000 | 163,000 | 204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,918,000 | 12,001,000 | 12,076,000 | 12,117,000 |
| Total capital | 12,525,000 | 12,627,000 | 12,703,000 | 12,752,000 |
| Risk-weighted assets | 56,400,000 | 56,320,000 | 56,641,000 | 57,958,000 |