Call reports 2013
MINERS AND MERCHANTS BANK — 2013
What MINERS AND MERCHANTS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 51,612,000 | 50,791,000 | 50,102,000 | 52,765,000 |
| Total loans | 18,646,000 | 18,871,000 | 18,446,000 | 18,263,000 |
| Allowance for loan losses | 200,000 | 200,000 | 198,000 | 200,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,155,000 | 25,156,000 | 25,157,000 | 24,960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,636,000 | 42,764,000 | 41,955,000 | 44,684,000 |
| Interest-bearing deposits | 31,984,000 | 32,459,000 | 32,287,000 | 32,334,000 |
| Noninterest-bearing deposits | 11,652,000 | 10,305,000 | 9,668,000 | 12,350,000 |
| Equity capital | 7,936,000 | 7,987,000 | 8,064,000 | 8,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 408,000 | 816,000 | 1,223,000 | 1,621,000 |
| Interest expense | 62,000 | 119,000 | 176,000 | 235,000 |
| Net interest income | 346,000 | 697,000 | 1,047,000 | 1,386,000 |
| Noninterest income | 64,000 | 146,000 | 226,000 | 306,000 |
| Noninterest expense | 278,000 | 587,000 | 901,000 | 1,345,000 |
| Provision for loan losses | 0 | 0 | 0 | 4,000 |
| Pretax income | 132,000 | 256,000 | 372,000 | 343,000 |
| Income tax | 28,000 | 67,000 | 106,000 | 66,000 |
| Net income | 104,000 | 189,000 | 266,000 | 277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,931,000 | 7,983,000 | 8,060,000 | 8,017,000 |
| Total capital | 8,131,000 | 8,183,000 | 8,258,000 | 8,217,000 |
| Risk-weighted assets | 18,095,000 | 17,871,000 | 17,646,000 | 18,077,000 |
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