Call reports 2012
MINERS AND MERCHANTS BANK — 2012
What MINERS AND MERCHANTS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 53,964,000 | 53,021,000 | 54,598,000 | 51,928,000 |
| Total loans | 18,924,000 | 19,142,000 | 19,176,000 | 18,943,000 |
| Allowance for loan losses | 199,000 | 200,000 | 198,000 | 200,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 21,488,000 | 24,542,000 | 18,964,000 | 23,087,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,217,000 | 45,243,000 | 46,737,000 | 44,045,000 |
| Interest-bearing deposits | 33,457,000 | 32,819,000 | 32,636,000 | 32,672,000 |
| Noninterest-bearing deposits | 12,760,000 | 12,424,000 | 14,101,000 | 11,374,000 |
| Equity capital | 7,702,000 | 7,758,000 | 7,824,000 | 7,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 440,000 | 872,000 | 1,281,000 | 1,674,000 |
| Interest expense | 96,000 | 179,000 | 256,000 | 332,000 |
| Net interest income | 344,000 | 693,000 | 1,025,000 | 1,342,000 |
| Noninterest income | 64,000 | 148,000 | 232,000 | 311,000 |
| Noninterest expense | 290,000 | 604,000 | 930,000 | 1,285,000 |
| Provision for loan losses | 0 | 0 | 0 | 4,000 |
| Pretax income | 118,000 | 237,000 | 327,000 | 364,000 |
| Income tax | 23,000 | 59,000 | 83,000 | 71,000 |
| Net income | 95,000 | 178,000 | 244,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,695,000 | 7,752,000 | 7,818,000 | 7,827,000 |
| Total capital | 7,894,000 | 7,952,000 | 8,016,000 | 8,027,000 |
| Risk-weighted assets | 18,709,000 | 18,695,000 | 19,053,000 | 18,421,000 |
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