Call reports 2005
FARMERS AND MINERS BANK — 2005
What FARMERS AND MINERS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 110,669,000 | 113,831,000 | 116,740,000 | 115,284,000 |
| Total loans | 66,997,000 | 69,405,000 | 70,926,000 | 70,949,000 |
| Allowance for loan losses | 850,000 | 889,000 | 874,000 | 871,000 |
| Securities available for sale | 6,434,000 | 6,253,000 | 6,673,000 | 8,674,000 |
| Securities held to maturity | 6,406,000 | 6,280,000 | 6,367,000 | 6,283,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,904,000 | 101,789,000 | 104,515,000 | 102,716,000 |
| Interest-bearing deposits | 78,900,000 | 82,190,000 | 82,390,000 | 81,514,000 |
| Noninterest-bearing deposits | 20,004,000 | 19,599,000 | 22,125,000 | 21,202,000 |
| Equity capital | 11,136,000 | 11,585,000 | 11,661,000 | 11,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,760,000 | 3,610,000 | 5,541,000 | 7,523,000 |
| Interest expense | 336,000 | 727,000 | 1,160,000 | 1,640,000 |
| Net interest income | 1,424,000 | 2,883,000 | 4,381,000 | 5,883,000 |
| Noninterest income | 201,000 | 431,000 | 686,000 | 928,000 |
| Noninterest expense | 1,006,000 | 2,042,000 | 3,102,000 | 4,235,000 |
| Provision for loan losses | 59,000 | 119,000 | 179,000 | 240,000 |
| Pretax income | 561,000 | 1,153,000 | 1,787,000 | 2,337,000 |
| Income tax | 187,000 | 377,000 | 568,000 | 762,000 |
| Net income | 374,000 | 776,000 | 1,219,000 | 1,575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,209,000 | 11,611,000 | 11,704,000 | 12,060,000 |
| Total capital | 12,009,000 | 12,440,000 | 12,557,000 | 12,903,000 |
| Risk-weighted assets | 63,985,000 | 66,271,000 | 68,258,000 | 67,386,000 |