Call reports 2005
MINDEN EXCHANGE BANK & TRUST COMPANY — 2005
What MINDEN EXCHANGE BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 125,423,000 | 126,893,000 | 131,144,000 | 123,333,000 |
| Total loans | 91,095,000 | 96,009,000 | 100,780,000 | 92,653,000 |
| Allowance for loan losses | 2,123,000 | 2,394,000 | 2,692,000 | 2,823,000 |
| Securities available for sale | 20,936,000 | 18,644,000 | 17,120,000 | 16,263,000 |
| Securities held to maturity | 5,572,000 | 5,422,000 | 5,297,000 | 4,996,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,383,000 | 99,917,000 | 97,767,000 | 100,875,000 |
| Interest-bearing deposits | 96,142,000 | 91,888,000 | 90,157,000 | 90,394,000 |
| Noninterest-bearing deposits | 8,241,000 | 8,029,000 | 7,610,000 | 10,481,000 |
| Equity capital | 19,198,000 | 19,764,000 | 20,119,000 | 20,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,866,000 | 3,920,000 | 6,073,000 | 8,215,000 |
| Interest expense | 528,000 | 1,099,000 | 1,721,000 | 2,392,000 |
| Net interest income | 1,338,000 | 2,821,000 | 4,352,000 | 5,823,000 |
| Noninterest income | 60,000 | 120,000 | 179,000 | 245,000 |
| Noninterest expense | 602,000 | 1,227,000 | 1,822,000 | 2,429,000 |
| Provision for loan losses | 380,000 | 680,000 | 980,000 | 1,200,000 |
| Pretax income | 416,000 | 1,005,000 | 1,700,000 | 2,410,000 |
| Income tax | 164,000 | 327,000 | 491,000 | 746,000 |
| Net income | 252,000 | 678,000 | 1,209,000 | 1,664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,500,000 | 19,926,000 | 20,322,000 | 20,777,000 |
| Total capital | 20,735,000 | 21,219,000 | 21,681,000 | 22,041,000 |
| Risk-weighted assets | 97,907,000 | 102,311,000 | 107,363,000 | 99,565,000 |