Call reports 2008
MINER COUNTY BANK — 2008
What MINER COUNTY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 33,851,000 | 34,650,000 | 34,624,000 | 34,766,000 |
| Total loans | 16,943,000 | 17,567,000 | 19,070,000 | 19,026,000 |
| Allowance for loan losses | 342,000 | 351,000 | 351,000 | 368,000 |
| Securities available for sale | 11,131,000 | 11,831,000 | 11,768,000 | 12,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,770,000 | 29,806,000 | 29,746,000 | 29,199,000 |
| Interest-bearing deposits | 24,467,000 | 25,390,000 | 25,370,000 | 24,292,000 |
| Noninterest-bearing deposits | 4,303,000 | 4,416,000 | 4,376,000 | 4,907,000 |
| Equity capital | 4,277,000 | 4,023,000 | 4,037,000 | 4,211,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 485,000 | 955,000 | 1,442,000 | 1,926,000 |
| Interest expense | 155,000 | 302,000 | 441,000 | 569,000 |
| Net interest income | 330,000 | 653,000 | 1,001,000 | 1,357,000 |
| Noninterest income | 37,000 | 75,000 | 115,000 | 150,000 |
| Noninterest expense | 257,000 | 530,000 | 794,000 | 1,094,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 110,000 | 199,000 | 322,000 | 413,000 |
| Income tax | 5,000 | 10,000 | 18,000 | 29,000 |
| Net income | 105,000 | 189,000 | 304,000 | 384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,021,000 | 4,066,000 | 4,146,000 | 4,061,000 |
| Total capital | 4,285,000 | 4,333,000 | 4,433,000 | 4,346,000 |
| Risk-weighted assets | 21,094,000 | 21,281,000 | 22,988,000 | 22,743,000 |