Call reports 2003
MINER COUNTY BANK — 2003
What MINER COUNTY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 28,518,000 | 29,399,000 | 28,310,000 | 30,763,000 |
| Total loans | 14,281,000 | 15,396,000 | 15,802,000 | 16,149,000 |
| Allowance for loan losses | 350,000 | 353,000 | 328,000 | 297,000 |
| Securities available for sale | 8,280,000 | 10,343,000 | 9,534,000 | 10,693,000 |
| Securities held to maturity | 327,000 | 262,000 | 51,000 | 51,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,515,000 | 25,391,000 | 24,229,000 | 26,841,000 |
| Interest-bearing deposits | 22,017,000 | 22,735,000 | 21,699,000 | 23,383,000 |
| Noninterest-bearing deposits | 2,498,000 | 2,656,000 | 2,531,000 | 3,458,000 |
| Equity capital | 3,587,000 | 3,578,000 | 3,639,000 | 3,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 343,000 | 688,000 | 1,021,000 | 1,362,000 |
| Interest expense | 109,000 | 219,000 | 320,000 | 414,000 |
| Net interest income | 234,000 | 469,000 | 701,000 | 948,000 |
| Noninterest income | 41,000 | 77,000 | 129,000 | 166,000 |
| Noninterest expense | 236,000 | 468,000 | 737,000 | 970,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 43,000 | 82,000 | 97,000 | 148,000 |
| Income tax | 1,000 | 5,000 | 5,000 | -10,000 |
| Net income | 42,000 | 77,000 | 92,000 | 158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,361,000 | 3,492,000 | 3,486,000 | 3,449,000 |
| Total capital | 3,590,000 | 3,736,000 | 3,729,000 | 3,733,000 |
| Risk-weighted assets | 18,109,000 | 19,401,000 | 19,394,000 | 22,703,000 |