Call reports 2019
MINERS AND MERCHANTS BANK — 2019
What MINERS AND MERCHANTS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 55,869,000 | 55,853,000 | 54,084,000 | 54,797,000 |
| Total loans | 16,217,000 | 16,130,000 | 15,728,000 | 16,301,000 |
| Allowance for loan losses | 200,000 | 198,000 | 198,000 | 200,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 31,500,000 | 29,902,000 | 28,182,000 | 26,285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,846,000 | 46,848,000 | 45,025,000 | 45,635,000 |
| Interest-bearing deposits | 32,979,000 | 33,403,000 | 32,671,000 | 33,022,000 |
| Noninterest-bearing deposits | 13,867,000 | 13,445,000 | 12,354,000 | 12,613,000 |
| Equity capital | 8,924,000 | 8,968,000 | 8,982,000 | 9,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 435,000 | 857,000 | 1,265,000 | 1,663,000 |
| Interest expense | 52,000 | 106,000 | 163,000 | 218,000 |
| Net interest income | 383,000 | 751,000 | 1,102,000 | 1,445,000 |
| Noninterest income | 55,000 | 114,000 | 157,000 | 587,000 |
| Noninterest expense | 346,000 | 677,000 | 1,040,000 | 1,648,000 |
| Provision for loan losses | 0 | 0 | 0 | 2,000 |
| Pretax income | 92,000 | 189,000 | 222,000 | 391,000 |
| Income tax | 21,000 | 40,000 | 59,000 | 82,000 |
| Net income | 71,000 | 149,000 | 163,000 | 309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,924,000 | 8,968,000 | 8,982,000 | 9,061,000 |
| Total capital | 9,124,000 | 9,166,000 | 9,180,000 | 9,261,000 |
| Risk-weighted assets | 18,913,000 | 19,449,000 | 18,758,000 | 19,525,000 |
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