Call reports 2008
MINERS AND MERCHANTS BANK — 2008
What MINERS AND MERCHANTS BANK 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 | 43,673,000 | 43,193,000 | 43,550,000 | 45,534,000 |
| Total loans | 21,051,000 | 21,621,000 | 21,384,000 | 21,270,000 |
| Allowance for loan losses | 202,000 | 196,000 | 190,000 | 200,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,204,000 | 16,223,000 | 16,773,000 | 16,331,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,983,000 | 36,530,000 | 36,702,000 | 38,758,000 |
| Interest-bearing deposits | 29,918,000 | 29,607,000 | 29,407,000 | 29,928,000 |
| Noninterest-bearing deposits | 7,065,000 | 6,923,000 | 7,295,000 | 8,830,000 |
| Equity capital | 6,518,000 | 6,588,000 | 6,715,000 | 6,729,000 |
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 | 618,000 | 1,216,000 | 1,810,000 | 2,399,000 |
| Interest expense | 175,000 | 335,000 | 486,000 | 637,000 |
| Net interest income | 443,000 | 881,000 | 1,324,000 | 1,762,000 |
| Noninterest income | 65,000 | 140,000 | 221,000 | 299,000 |
| Noninterest expense | 269,000 | 593,000 | 914,000 | 1,359,000 |
| Provision for loan losses | 0 | 0 | 0 | 11,000 |
| Pretax income | 239,000 | 428,000 | 631,000 | 691,000 |
| Income tax | 73,000 | 140,000 | 217,000 | 201,000 |
| Net income | 166,000 | 288,000 | 414,000 | 490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,505,000 | 6,575,000 | 6,703,000 | 6,717,000 |
| Total capital | 6,707,000 | 6,771,000 | 6,893,000 | 6,917,000 |
| Risk-weighted assets | 18,830,000 | 18,986,000 | 18,795,000 | 19,202,000 |
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