Call reports 2008
MINDEN EXCHANGE BANK & TRUST COMPANY — 2008
What MINDEN EXCHANGE BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 126,625,000 | 126,419,000 | 122,396,000 | 126,951,000 |
| Total loans | 71,359,000 | 73,726,000 | 76,505,000 | 67,099,000 |
| Allowance for loan losses | 1,795,000 | 1,961,000 | 1,317,000 | 2,151,000 |
| Securities available for sale | 34,570,000 | 36,615,000 | 33,811,000 | 46,603,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,390,000 | 104,612,000 | 100,595,000 | 103,344,000 |
| Interest-bearing deposits | 94,402,000 | 94,967,000 | 90,279,000 | 91,060,000 |
| Noninterest-bearing deposits | 9,988,000 | 9,645,000 | 10,316,000 | 12,284,000 |
| Equity capital | 15,646,000 | 15,460,000 | 15,212,000 | 16,851,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,926,000 | 3,870,000 | 5,793,000 | 7,620,000 |
| Interest expense | 883,000 | 1,673,000 | 2,395,000 | 3,062,000 |
| Net interest income | 1,043,000 | 2,197,000 | 3,398,000 | 4,558,000 |
| Noninterest income | 56,000 | 119,000 | -360,000 | -378,000 |
| Noninterest expense | 738,000 | 1,503,000 | 2,307,000 | 3,247,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | -1,400,000 |
| Pretax income | 216,000 | 518,000 | 286,000 | 2,338,000 |
| Income tax | 18,000 | 18,000 | 18,000 | 780,000 |
| Net income | 198,000 | 500,000 | 268,000 | 1,558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,927,000 | 13,229,000 | 12,863,000 | 14,558,000 |
| Total capital | 14,009,000 | 14,338,000 | 13,985,000 | 15,598,000 |
| Risk-weighted assets | 85,874,000 | 87,828,000 | 89,546,000 | 81,901,000 |