Call reports 2004
FARMERS AND MINERS BANK — 2004
What FARMERS AND MINERS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 110,002,000 | 107,275,000 | 105,431,000 | 107,127,000 |
| Total loans | 62,036,000 | 63,127,000 | 65,890,000 | 66,283,000 |
| Allowance for loan losses | 720,000 | 736,000 | 792,000 | 811,000 |
| Securities available for sale | 9,120,000 | 9,370,000 | 7,634,000 | 7,376,000 |
| Securities held to maturity | 6,071,000 | 6,362,000 | 6,325,000 | 6,421,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,828,000 | 96,423,000 | 93,993,000 | 95,418,000 |
| Interest-bearing deposits | 80,886,000 | 77,532,000 | 75,672,000 | 76,359,000 |
| Noninterest-bearing deposits | 17,942,000 | 18,891,000 | 18,321,000 | 19,059,000 |
| Equity capital | 10,524,000 | 10,429,000 | 10,889,000 | 11,200,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,725,000 | 3,444,000 | 5,198,000 | 6,964,000 |
| Interest expense | 331,000 | 645,000 | 948,000 | 1,262,000 |
| Net interest income | 1,394,000 | 2,799,000 | 4,250,000 | 5,702,000 |
| Noninterest income | 201,000 | 429,000 | 655,000 | 860,000 |
| Noninterest expense | 994,000 | 2,009,000 | 3,034,000 | 4,101,000 |
| Provision for loan losses | 59,000 | 119,000 | 180,000 | 240,000 |
| Pretax income | 542,000 | 1,100,000 | 1,691,000 | 2,221,000 |
| Income tax | 160,000 | 322,000 | 535,000 | 720,000 |
| Net income | 382,000 | 778,000 | 1,156,000 | 1,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,441,000 | 10,486,000 | 10,865,000 | 11,210,000 |
| Total capital | 11,161,000 | 11,222,000 | 11,650,000 | 12,006,000 |
| Risk-weighted assets | 60,860,000 | 61,555,000 | 62,812,000 | 63,648,000 |