Call reports 2006
MINDEN EXCHANGE BANK & TRUST COMPANY — 2006
What MINDEN EXCHANGE BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 124,566,000 | 118,790,000 | 120,052,000 | 119,951,000 |
| Total loans | 93,579,000 | 86,546,000 | 87,891,000 | 78,948,000 |
| Allowance for loan losses | 3,126,000 | 2,427,000 | 2,467,000 | 2,503,000 |
| Securities available for sale | 15,903,000 | 15,371,000 | 15,066,000 | 13,826,000 |
| Securities held to maturity | 4,996,000 | 4,996,000 | 4,920,000 | 4,860,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,384,000 | 98,782,000 | 99,332,000 | 102,323,000 |
| Interest-bearing deposits | 92,200,000 | 90,540,000 | 91,732,000 | 94,115,000 |
| Noninterest-bearing deposits | 9,184,000 | 8,242,000 | 7,600,000 | 8,208,000 |
| Equity capital | 20,762,000 | 14,292,000 | 13,967,000 | 14,443,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,099,000 | 3,961,000 | 5,780,000 | 7,773,000 |
| Interest expense | 643,000 | 1,345,000 | 2,148,000 | 3,017,000 |
| Net interest income | 1,456,000 | 2,616,000 | 3,632,000 | 4,756,000 |
| Noninterest income | 52,000 | 105,000 | 167,000 | 256,000 |
| Noninterest expense | 599,000 | 1,224,000 | 1,871,000 | 2,488,000 |
| Provision for loan losses | 300,000 | 10,593,000 | 11,743,000 | 11,743,000 |
| Pretax income | 609,000 | -9,096,000 | -9,815,000 | -9,219,000 |
| Income tax | 164,000 | -3,140,000 | -3,420,000 | -3,239,000 |
| Net income | 445,000 | -5,956,000 | -6,395,000 | -5,980,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,086,000 | 12,552,000 | 11,833,000 | 12,429,000 |
| Total capital | 22,364,000 | 13,728,000 | 13,087,000 | 13,598,000 |
| Risk-weighted assets | 100,365,000 | 96,511,000 | 99,139,000 | 92,164,000 |