Call reports 2003
FARMERS AND MINERS BANK — 2003
What FARMERS AND MINERS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 106,890,000 | 106,324,000 | 108,428,000 | 109,139,000 |
| Total loans | 60,094,000 | 60,166,000 | 60,890,000 | 62,668,000 |
| Allowance for loan losses | 670,000 | 696,000 | 675,000 | 699,000 |
| Securities available for sale | 6,244,000 | 4,945,000 | 7,388,000 | 9,494,000 |
| Securities held to maturity | 6,136,000 | 5,702,000 | 5,647,000 | 5,779,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,375,000 | 95,906,000 | 97,738,000 | 98,024,000 |
| Interest-bearing deposits | 78,517,000 | 78,043,000 | 79,118,000 | 80,075,000 |
| Noninterest-bearing deposits | 17,858,000 | 17,863,000 | 18,620,000 | 17,949,000 |
| Equity capital | 9,803,000 | 9,868,000 | 10,119,000 | 10,475,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,736,000 | 3,470,000 | 5,198,000 | 6,962,000 |
| Interest expense | 434,000 | 830,000 | 1,193,000 | 1,539,000 |
| Net interest income | 1,302,000 | 2,640,000 | 4,005,000 | 5,423,000 |
| Noninterest income | 186,000 | 372,000 | 584,000 | 790,000 |
| Noninterest expense | 932,000 | 1,914,000 | 2,996,000 | 4,008,000 |
| Provision for loan losses | 53,000 | 107,000 | 162,000 | 216,000 |
| Pretax income | 503,000 | 1,000,000 | 1,439,000 | 2,003,000 |
| Income tax | 139,000 | 278,000 | 424,000 | 623,000 |
| Net income | 364,000 | 722,000 | 1,015,000 | 1,355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,718,000 | 9,775,000 | 10,068,000 | 10,409,000 |
| Total capital | 10,388,000 | 10,471,000 | 10,743,000 | 11,108,000 |
| Risk-weighted assets | 59,656,000 | 59,376,000 | 59,845,000 | 61,459,000 |