Call reports 2007
MINER COUNTY BANK — 2007
What MINER COUNTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 31,703,000 | 30,825,000 | 31,551,000 | 32,023,000 |
| Total loans | 17,381,000 | 18,334,000 | 19,341,000 | 18,359,000 |
| Allowance for loan losses | 316,000 | 342,000 | 340,000 | 342,000 |
| Securities available for sale | 9,684,000 | 8,814,000 | 8,920,000 | 9,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,177,000 | 26,343,000 | 26,037,000 | 27,177,000 |
| Interest-bearing deposits | 23,267,000 | 22,576,000 | 22,570,000 | 22,872,000 |
| Noninterest-bearing deposits | 3,910,000 | 3,767,000 | 3,467,000 | 4,305,000 |
| Equity capital | 3,801,000 | 3,728,000 | 3,925,000 | 4,059,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 457,000 | 924,000 | 1,406,000 | 1,908,000 |
| Interest expense | 164,000 | 327,000 | 495,000 | 664,000 |
| Net interest income | 293,000 | 597,000 | 911,000 | 1,244,000 |
| Noninterest income | 50,000 | 165,000 | 212,000 | 250,000 |
| Noninterest expense | 248,000 | 501,000 | 750,000 | 1,021,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 95,000 | 189,000 | 301,000 | 401,000 |
| Income tax | 3,000 | 10,000 | 16,000 | 14,000 |
| Net income | 92,000 | 179,000 | 285,000 | 387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,785,000 | 3,831,000 | 3,927,000 | 3,951,000 |
| Total capital | 4,050,000 | 4,100,000 | 4,206,000 | 4,217,000 |
| Risk-weighted assets | 21,130,000 | 21,490,000 | 22,316,000 | 21,190,000 |