Call reports 2016
MINER COUNTY BANK — 2016
What MINER COUNTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 44,821,000 | 46,735,000 | 44,231,000 | 49,171,000 |
| Total loans | 20,880,000 | 24,066,000 | 25,944,000 | 23,389,000 |
| Allowance for loan losses | 38,000 | 118,000 | 149,000 | 149,000 |
| Securities available for sale | 12,138,000 | 11,892,000 | 7,037,000 | 5,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,763,000 | 39,752,000 | 37,346,000 | 41,146,000 |
| Interest-bearing deposits | 32,166,000 | 33,353,000 | 31,234,000 | 33,020,000 |
| Noninterest-bearing deposits | 6,597,000 | 6,399,000 | 6,112,000 | 8,126,000 |
| Equity capital | 6,011,000 | 6,199,000 | 6,218,000 | 5,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 345,000 | 764,000 | 1,172,000 | 1,531,000 |
| Interest expense | 19,000 | 47,000 | 74,000 | 102,000 |
| Net interest income | 326,000 | 717,000 | 1,098,000 | 1,429,000 |
| Noninterest income | 23,000 | 47,000 | 70,000 | 94,000 |
| Noninterest expense | 250,000 | 484,000 | 719,000 | 985,000 |
| Provision for loan losses | 40,000 | 121,000 | 151,000 | 151,000 |
| Pretax income | 59,000 | 159,000 | 353,000 | 433,000 |
| Income tax | 0 | 16,000 | 30,000 | 10,000 |
| Net income | 59,000 | 143,000 | 323,000 | 423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,200,000 | 4,277,000 | 4,363,000 | 4,273,000 |
| Total capital | 4,238,000 | 4,395,000 | 4,512,000 | 4,422,000 |
| Risk-weighted assets | 22,561,000 | 25,604,000 | 27,465,000 | 24,872,000 |