Call reports 2004
MINDEN EXCHANGE BANK & TRUST COMPANY — 2004
What MINDEN EXCHANGE BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 132,048,000 | 130,971,000 | 131,679,000 | 125,145,000 |
| Total loans | 87,810,000 | 91,424,000 | 94,731,000 | 87,821,000 |
| Allowance for loan losses | 3,377,000 | 3,628,000 | 3,679,000 | 2,729,000 |
| Securities available for sale | 24,872,000 | 24,564,000 | 22,217,000 | 20,740,000 |
| Securities held to maturity | 6,604,000 | 6,398,000 | 5,783,000 | 5,623,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,979,000 | 107,052,000 | 102,892,000 | 104,308,000 |
| Interest-bearing deposits | 101,731,000 | 99,260,000 | 95,216,000 | 94,426,000 |
| Noninterest-bearing deposits | 7,248,000 | 7,792,000 | 7,676,000 | 9,882,000 |
| Equity capital | 20,886,000 | 20,833,000 | 21,629,000 | 19,306,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,915,000 | 3,870,000 | 5,895,000 | 7,841,000 |
| Interest expense | 593,000 | 1,159,000 | 1,708,000 | 2,258,000 |
| Net interest income | 1,322,000 | 2,711,000 | 4,187,000 | 5,583,000 |
| Noninterest income | 58,000 | 116,000 | 176,000 | 278,000 |
| Noninterest expense | 570,000 | 1,180,000 | 1,747,000 | 2,320,000 |
| Provision for loan losses | 300,000 | 450,000 | 500,000 | 700,000 |
| Pretax income | 520,000 | 1,192,000 | 2,086,000 | 2,811,000 |
| Income tax | 189,000 | 517,000 | 681,000 | 862,000 |
| Net income | 331,000 | 675,000 | 1,405,000 | 1,949,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,688,000 | 21,032,000 | 21,626,000 | 19,384,000 |
| Total capital | 21,916,000 | 22,301,000 | 22,928,000 | 20,600,000 |
| Risk-weighted assets | 96,066,000 | 99,128,000 | 101,808,000 | 95,806,000 |