Call reports 2005
MINER COUNTY BANK — 2005
What MINER COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 30,963,000 | 30,186,000 | 30,328,000 | 31,952,000 |
| Total loans | 15,849,000 | 17,410,000 | 17,498,000 | 17,300,000 |
| Allowance for loan losses | 269,000 | 290,000 | 293,000 | 301,000 |
| Securities available for sale | 10,695,000 | 9,053,000 | 8,382,000 | 9,505,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,952,000 | 26,048,000 | 26,160,000 | 27,815,000 |
| Interest-bearing deposits | 23,339,000 | 22,710,000 | 22,538,000 | 22,981,000 |
| Noninterest-bearing deposits | 3,613,000 | 3,338,000 | 3,622,000 | 4,834,000 |
| Equity capital | 3,462,000 | 3,507,000 | 3,511,000 | 3,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 362,000 | 740,000 | 1,141,000 | 1,553,000 |
| Interest expense | 91,000 | 189,000 | 293,000 | 407,000 |
| Net interest income | 271,000 | 551,000 | 848,000 | 1,146,000 |
| Noninterest income | 35,000 | 72,000 | 128,000 | 170,000 |
| Noninterest expense | 250,000 | 484,000 | 721,000 | 961,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 48,000 | 127,000 | 240,000 | 337,000 |
| Income tax | 0 | 5,000 | 11,000 | 15,000 |
| Net income | 48,000 | 122,000 | 229,000 | 322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,444,000 | 3,498,000 | 3,578,000 | 3,572,000 |
| Total capital | 3,694,000 | 3,748,000 | 3,852,000 | 3,838,000 |
| Risk-weighted assets | 19,203,000 | 20,284,000 | 22,075,000 | 20,650,000 |