Call reports 2016
MINERS AND MERCHANTS BANK — 2016
What MINERS AND MERCHANTS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 55,645,000 | 54,006,000 | 55,003,000 | 53,642,000 |
| Total loans | 17,486,000 | 17,073,000 | 16,822,000 | 17,215,000 |
| Allowance for loan losses | 202,000 | 203,000 | 203,000 | 200,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 27,702,000 | 26,790,000 | 27,409,000 | 28,114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,102,000 | 45,441,000 | 46,387,000 | 45,061,000 |
| Interest-bearing deposits | 35,417,000 | 34,398,000 | 34,078,000 | 32,846,000 |
| Noninterest-bearing deposits | 11,685,000 | 11,043,000 | 12,309,000 | 12,215,000 |
| Equity capital | 8,484,000 | 8,517,000 | 8,557,000 | 8,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 396,000 | 777,000 | 1,146,000 | 1,526,000 |
| Interest expense | 44,000 | 81,000 | 117,000 | 159,000 |
| Net interest income | 352,000 | 696,000 | 1,029,000 | 1,367,000 |
| Noninterest income | 67,000 | 137,000 | 215,000 | 293,000 |
| Noninterest expense | 287,000 | 612,000 | 976,000 | 1,383,000 |
| Provision for loan losses | 0 | 0 | 0 | 3,000 |
| Pretax income | 132,000 | 227,000 | 275,000 | 281,000 |
| Income tax | 30,000 | 58,000 | 66,000 | 52,000 |
| Net income | 102,000 | 169,000 | 209,000 | 229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,484,000 | 8,517,000 | 8,557,000 | 8,523,000 |
| Total capital | 8,686,000 | 8,720,000 | 8,760,000 | 8,723,000 |
| Risk-weighted assets | 18,020,000 | 17,654,000 | 17,806,000 | 17,667,000 |
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