Call reports 2014
MINERS AND MERCHANTS BANK — 2014
What MINERS AND MERCHANTS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 52,729,000 | 51,360,000 | 50,837,000 | 54,018,000 |
| Total loans | 17,876,000 | 17,949,000 | 17,495,000 | 17,741,000 |
| Allowance for loan losses | 200,000 | 201,000 | 201,000 | 200,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,874,000 | 24,731,000 | 25,231,000 | 26,981,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,549,000 | 43,142,000 | 42,524,000 | 45,723,000 |
| Interest-bearing deposits | 33,063,000 | 33,627,000 | 32,547,000 | 33,340,000 |
| Noninterest-bearing deposits | 11,486,000 | 9,515,000 | 9,977,000 | 12,384,000 |
| Equity capital | 8,129,000 | 8,165,000 | 8,224,000 | 8,209,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 396,000 | 784,000 | 1,172,000 | 1,565,000 |
| Interest expense | 54,000 | 108,000 | 161,000 | 217,000 |
| Net interest income | 342,000 | 676,000 | 1,011,000 | 1,348,000 |
| Noninterest income | 67,000 | 146,000 | 230,000 | 317,000 |
| Noninterest expense | 271,000 | 584,000 | 912,000 | 1,319,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 141,000 | 241,000 | 332,000 | 349,000 |
| Income tax | 32,000 | 64,000 | 95,000 | 74,000 |
| Net income | 109,000 | 177,000 | 237,000 | 275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,126,000 | 8,162,000 | 8,221,000 | 8,207,000 |
| Total capital | 8,326,000 | 8,363,000 | 8,422,000 | 8,407,000 |
| Risk-weighted assets | 18,107,000 | 17,970,000 | 17,622,000 | 18,296,000 |
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