Call reports 2015
MINERS AND MERCHANTS BANK — 2015
What MINERS AND MERCHANTS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 54,607,000 | 52,777,000 | 52,367,000 | 56,083,000 |
| Total loans | 17,209,000 | 17,475,000 | 17,035,000 | 17,529,000 |
| Allowance for loan losses | 198,000 | 195,000 | 194,000 | 200,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 27,166,000 | 26,383,000 | 25,884,000 | 28,217,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,236,000 | 44,399,000 | 43,878,000 | 47,644,000 |
| Interest-bearing deposits | 33,896,000 | 33,868,000 | 32,810,000 | 34,952,000 |
| Noninterest-bearing deposits | 12,340,000 | 10,531,000 | 11,068,000 | 12,691,000 |
| Equity capital | 8,306,000 | 8,351,000 | 8,444,000 | 8,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 393,000 | 783,000 | 1,178,000 | 1,578,000 |
| Interest expense | 50,000 | 100,000 | 148,000 | 200,000 |
| Net interest income | 343,000 | 683,000 | 1,030,000 | 1,378,000 |
| Noninterest income | 64,000 | 139,000 | 222,000 | 299,000 |
| Noninterest expense | 285,000 | 598,000 | 913,000 | 1,336,000 |
| Provision for loan losses | 0 | 0 | 0 | 8,000 |
| Pretax income | 122,000 | 224,000 | 339,000 | 333,000 |
| Income tax | 24,000 | 47,000 | 69,000 | 71,000 |
| Net income | 98,000 | 177,000 | 270,000 | 262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,304,000 | 8,350,000 | 8,443,000 | 8,382,000 |
| Total capital | 8,502,000 | 8,545,000 | 8,637,000 | 8,582,000 |
| Risk-weighted assets | 17,511,000 | 17,323,000 | 18,502,000 | 17,771,000 |
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