Call reports 2015
MINER COUNTY BANK — 2015
What MINER COUNTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 46,560,000 | 46,982,000 | 42,548,000 | 44,408,000 |
| Total loans | 14,945,000 | 15,214,000 | 15,669,000 | 17,486,000 |
| Allowance for loan losses | 274,000 | 274,000 | 273,000 | 0 |
| Securities available for sale | 18,762,000 | 17,731,000 | 12,875,000 | 12,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,013,000 | 40,541,000 | 38,461,000 | 38,500,000 |
| Interest-bearing deposits | 33,548,000 | 33,517,000 | 28,768,000 | 30,837,000 |
| Noninterest-bearing deposits | 6,465,000 | 7,024,000 | 9,693,000 | 7,663,000 |
| Equity capital | 5,353,000 | 5,239,000 | 4,079,000 | 5,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 315,000 | 614,000 | 919,000 | 294,000 |
| Interest expense | 22,000 | 43,000 | 64,000 | 18,000 |
| Net interest income | 293,000 | 571,000 | 855,000 | 276,000 |
| Noninterest income | 47,000 | 83,000 | 125,000 | 19,000 |
| Noninterest expense | 256,000 | 548,000 | 1,301,000 | 223,000 |
| Provision for loan losses | -225,000 | -225,000 | -225,000 | 0 |
| Pretax income | 309,000 | 331,000 | 62,000 | 75,000 |
| Income tax | 6,000 | 6,000 | -9,000 | 0 |
| Net income | 303,000 | 325,000 | 71,000 | 75,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,041,000 | 5,043,000 | 3,989,000 | 4,204,000 |
| Total capital | 5,270,000 | 5,311,000 | 4,250,000 | 4,204,000 |
| Risk-weighted assets | 18,306,000 | 21,442,000 | 20,903,000 | 20,716,000 |