Call reports 2009
MINERS AND MERCHANTS BANK — 2009
What MINERS AND MERCHANTS BANK 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 | 45,689,000 | 46,175,000 | 45,232,000 | 48,237,000 |
| Total loans | 20,753,000 | 21,238,000 | 21,073,000 | 20,799,000 |
| Allowance for loan losses | 201,000 | 198,000 | 193,000 | 200,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,591,000 | 18,571,000 | 18,400,000 | 19,448,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,688,000 | 39,189,000 | 38,092,000 | 41,156,000 |
| Interest-bearing deposits | 30,753,000 | 31,362,000 | 30,782,000 | 31,685,000 |
| Noninterest-bearing deposits | 7,935,000 | 7,827,000 | 7,310,000 | 9,471,000 |
| Equity capital | 6,867,000 | 6,926,000 | 7,037,000 | 7,045,000 |
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 | 1,112,000 | 1,666,000 | 2,212,000 |
| Interest expense | 140,000 | 271,000 | 400,000 | 527,000 |
| Net interest income | 419,000 | 841,000 | 1,266,000 | 1,685,000 |
| Noninterest income | 61,000 | 138,000 | 221,000 | 307,000 |
| Noninterest expense | 288,000 | 642,000 | 978,000 | 1,405,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 192,000 | 337,000 | 509,000 | 562,000 |
| Income tax | 54,000 | 99,000 | 160,000 | 150,000 |
| Net income | 138,000 | 238,000 | 349,000 | 412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,855,000 | 6,915,000 | 7,026,000 | 7,035,000 |
| Total capital | 7,056,000 | 7,113,000 | 7,219,000 | 7,235,000 |
| Risk-weighted assets | 18,921,000 | 19,174,000 | 19,068,000 | 19,675,000 |
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