Call reports 2015
MINERS NATIONAL BANK OF EVELETH, THE — 2015
What MINERS NATIONAL BANK OF EVELETH, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 60,093,000 | 57,894,000 | 60,279,000 | 59,094,000 |
| Total loans | 19,664,000 | 20,351,000 | 20,440,000 | 20,720,000 |
| Allowance for loan losses | 228,000 | 228,000 | 227,000 | 227,000 |
| Securities available for sale | 15,861,000 | 15,501,000 | 15,953,000 | 17,976,000 |
| Securities held to maturity | 2,241,000 | 2,195,000 | 2,177,000 | 2,127,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,322,000 | 51,679,000 | 54,458,000 | 53,338,000 |
| Interest-bearing deposits | 41,725,000 | 38,670,000 | 42,530,000 | 42,440,000 |
| Noninterest-bearing deposits | 12,597,000 | 13,009,000 | 11,928,000 | 10,898,000 |
| Equity capital | 5,200,000 | 5,155,000 | 5,245,000 | 5,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 400,000 | 826,000 | 1,238,000 | 1,663,000 |
| Interest expense | 41,000 | 81,000 | 124,000 | 167,000 |
| Net interest income | 359,000 | 745,000 | 1,114,000 | 1,496,000 |
| Noninterest income | 34,000 | 66,000 | 99,000 | 141,000 |
| Noninterest expense | 382,000 | 739,000 | 1,101,000 | 1,540,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 10,000 | 71,000 | 109,000 | 94,000 |
| Income tax | -1,000 | 16,000 | 8,000 | 2,000 |
| Net income | 11,000 | 55,000 | 101,000 | 92,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,067,000 | 5,091,000 | 5,137,000 | 5,096,000 |
| Total capital | 5,295,000 | 5,319,000 | 5,364,000 | 5,323,000 |
| Risk-weighted assets | 23,463,000 | 24,011,000 | 23,888,000 | 24,181,000 |