Call reports 2003
MINDEN EXCHANGE BANK & TRUST COMPANY — 2003
What MINDEN EXCHANGE BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 135,399,000 | 137,108,000 | 135,535,000 | 130,691,000 |
| Total loans | 88,069,000 | 93,129,000 | 96,619,000 | 87,394,000 |
| Allowance for loan losses | 2,730,000 | 3,031,000 | 2,963,000 | 3,064,000 |
| Securities available for sale | 27,132,000 | 25,491,000 | 21,006,000 | 22,854,000 |
| Securities held to maturity | 5,514,000 | 5,889,000 | 7,451,000 | 7,001,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,154,000 | 112,366,000 | 106,578,000 | 108,862,000 |
| Interest-bearing deposits | 103,226,000 | 104,975,000 | 98,211,000 | 96,971,000 |
| Noninterest-bearing deposits | 7,928,000 | 7,391,000 | 8,367,000 | 11,891,000 |
| Equity capital | 22,204,000 | 22,472,000 | 22,443,000 | 20,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,081,000 | 4,163,000 | 6,358,000 | 8,316,000 |
| Interest expense | 777,000 | 1,487,000 | 2,146,000 | 2,772,000 |
| Net interest income | 1,304,000 | 2,676,000 | 4,212,000 | 5,544,000 |
| Noninterest income | 62,000 | 142,000 | 200,000 | 416,000 |
| Noninterest expense | 536,000 | 1,104,000 | 1,699,000 | 2,278,000 |
| Provision for loan losses | 400,000 | 700,000 | 1,000,000 | 1,300,000 |
| Pretax income | 469,000 | 1,056,000 | 1,757,000 | 2,364,000 |
| Income tax | 164,000 | 497,000 | 840,000 | 664,000 |
| Net income | 305,000 | 559,000 | 917,000 | 1,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,945,000 | 22,199,000 | 22,422,000 | 20,493,000 |
| Total capital | 23,178,000 | 23,488,000 | 23,739,000 | 21,712,000 |
| Risk-weighted assets | 97,124,000 | 101,401,000 | 103,749,000 | 95,644,000 |