Call reports 2004
MINER COUNTY BANK — 2004
What MINER COUNTY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 31,457,000 | 30,890,000 | 30,348,000 | 31,030,000 |
| Total loans | 14,957,000 | 15,985,000 | 16,184,000 | 16,530,000 |
| Allowance for loan losses | 303,000 | 304,000 | 308,000 | 268,000 |
| Securities available for sale | 10,663,000 | 10,908,000 | 11,041,000 | 10,962,000 |
| Securities held to maturity | 51,000 | 51,000 | 1,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,444,000 | 27,138,000 | 26,321,000 | 27,073,000 |
| Interest-bearing deposits | 24,280,000 | 24,145,000 | 23,163,000 | 22,635,000 |
| Noninterest-bearing deposits | 3,164,000 | 2,992,000 | 3,158,000 | 4,438,000 |
| Equity capital | 3,548,000 | 3,274,000 | 3,447,000 | 3,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 344,000 | 684,000 | 1,040,000 | 1,407,000 |
| Interest expense | 88,000 | 170,000 | 251,000 | 338,000 |
| Net interest income | 256,000 | 514,000 | 789,000 | 1,069,000 |
| Noninterest income | 40,000 | 92,000 | 141,000 | 172,000 |
| Noninterest expense | 236,000 | 477,000 | 709,000 | 949,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 77,000 |
| Pretax income | 57,000 | 123,000 | 210,000 | 209,000 |
| Income tax | 75,000 | 75,000 | 236,000 | 191,000 |
| Net income | -18,000 | 48,000 | -26,000 | 18,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,428,000 | 3,467,000 | 3,418,000 | 3,389,000 |
| Total capital | 3,676,000 | 3,735,000 | 3,666,000 | 3,641,000 |
| Risk-weighted assets | 19,849,000 | 21,493,000 | 19,767,000 | 20,166,000 |