Call reports 2007
MINDEN EXCHANGE BANK & TRUST COMPANY — 2007
What MINDEN EXCHANGE BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 124,306,000 | 122,814,000 | 123,695,000 | 127,224,000 |
| Total loans | 75,801,000 | 79,956,000 | 83,313,000 | 74,112,000 |
| Allowance for loan losses | 2,544,000 | 2,646,000 | 1,617,000 | 1,661,000 |
| Securities available for sale | 23,909,000 | 24,817,000 | 25,309,000 | 38,089,000 |
| Securities held to maturity | 1,675,000 | 1,675,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,107,000 | 102,798,000 | 103,471,000 | 106,126,000 |
| Interest-bearing deposits | 95,688,000 | 95,191,000 | 95,842,000 | 95,653,000 |
| Noninterest-bearing deposits | 8,419,000 | 7,607,000 | 7,629,000 | 10,473,000 |
| Equity capital | 14,563,000 | 14,480,000 | 14,713,000 | 15,102,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,944,000 | 3,862,000 | 5,873,000 | 7,965,000 |
| Interest expense | 928,000 | 1,911,000 | 2,906,000 | 3,905,000 |
| Net interest income | 1,016,000 | 1,951,000 | 2,967,000 | 4,060,000 |
| Noninterest income | 54,000 | 110,000 | 162,000 | 246,000 |
| Noninterest expense | 643,000 | 1,396,000 | 2,138,000 | 2,872,000 |
| Provision for loan losses | 300,000 | 500,000 | 800,000 | 900,000 |
| Pretax income | 56,000 | 94,000 | 120,000 | 467,000 |
| Income tax | 4,000 | 9,000 | -5,000 | 115,000 |
| Net income | 52,000 | 85,000 | 125,000 | 352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,481,000 | 12,514,000 | 12,554,000 | 12,729,000 |
| Total capital | 13,611,000 | 13,672,000 | 13,745,000 | 13,846,000 |
| Risk-weighted assets | 88,993,000 | 91,190,000 | 94,821,000 | 88,779,000 |