Call reports 2009
MINERS NATIONAL BANK OF EVELETH, THE — 2009
What MINERS NATIONAL BANK OF EVELETH, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 44,794,000 | 42,455,000 | 45,726,000 | 44,469,000 |
| Total loans | 20,927,000 | 20,956,000 | 20,033,000 | 19,740,000 |
| Allowance for loan losses | 269,000 | 259,000 | 264,000 | 258,000 |
| Securities available for sale | 15,759,000 | 14,428,000 | 14,153,000 | 13,142,000 |
| Securities held to maturity | 1,393,000 | 1,617,000 | 1,573,000 | 1,613,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,505,000 | 37,056,000 | 40,195,000 | 39,075,000 |
| Interest-bearing deposits | 32,768,000 | 30,142,000 | 32,419,000 | 31,957,000 |
| Noninterest-bearing deposits | 6,737,000 | 6,914,000 | 7,776,000 | 7,118,000 |
| Equity capital | 4,858,000 | 4,902,000 | 5,007,000 | 4,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 559,000 | 1,101,000 | 1,611,000 | 2,110,000 |
| Interest expense | 118,000 | 225,000 | 329,000 | 420,000 |
| Net interest income | 441,000 | 876,000 | 1,282,000 | 1,690,000 |
| Noninterest income | 31,000 | 59,000 | 92,000 | 136,000 |
| Noninterest expense | 410,000 | 855,000 | 1,229,000 | 1,787,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 62,000 | 80,000 | 145,000 | 39,000 |
| Income tax | 16,000 | 17,000 | 29,000 | -24,000 |
| Net income | 46,000 | 63,000 | 116,000 | 63,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,785,000 | 4,782,000 | 4,835,000 | 4,761,000 |
| Total capital | 5,054,000 | 5,041,000 | 5,099,000 | 5,019,000 |
| Risk-weighted assets | 22,593,000 | 22,103,000 | 22,021,000 | 21,387,000 |