Call reports 2002
FARMERS AND MINERS BANK — 2002
What FARMERS AND MINERS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 97,432,000 | 103,052,000 | 102,953,000 | 104,467,000 |
| Total loans | 53,337,000 | 57,957,000 | 59,516,000 | 60,167,000 |
| Allowance for loan losses | 535,000 | 525,000 | 560,000 | 648,000 |
| Securities available for sale | 9,441,000 | 9,733,000 | 7,436,000 | 7,595,000 |
| Securities held to maturity | 6,823,000 | 6,636,000 | 6,551,000 | 6,261,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,974,000 | 93,222,000 | 92,711,000 | 93,970,000 |
| Interest-bearing deposits | 72,207,000 | 77,020,000 | 76,639,000 | 77,873,000 |
| Noninterest-bearing deposits | 15,767,000 | 16,202,000 | 16,072,000 | 16,097,000 |
| Equity capital | 8,896,000 | 9,146,000 | 9,514,000 | 9,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,677,000 | 3,428,000 | 5,233,000 | 7,032,000 |
| Interest expense | 522,000 | 1,048,000 | 1,554,000 | 2,029,000 |
| Net interest income | 1,155,000 | 2,380,000 | 3,679,000 | 5,003,000 |
| Noninterest income | 167,000 | 377,000 | 578,000 | 772,000 |
| Noninterest expense | 914,000 | 1,846,000 | 2,783,000 | 3,749,000 |
| Provision for loan losses | 35,000 | 81,000 | 135,000 | 248,000 |
| Pretax income | 373,000 | 830,000 | 1,339,000 | 1,778,000 |
| Income tax | 99,000 | 208,000 | 388,000 | 551,000 |
| Net income | 276,000 | 625,000 | 951,000 | 1,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,840,000 | 9,051,000 | 9,377,000 | 9,654,000 |
| Total capital | 9,375,000 | 9,576,000 | 9,937,000 | 10,302,000 |
| Risk-weighted assets | 54,546,000 | 58,433,000 | 59,240,000 | 59,543,000 |