Call reports 2006
FARMERS AND MINERS BANK — 2006
What FARMERS AND MINERS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 117,314,000 | 115,155,000 | 116,446,000 | 117,893,000 |
| Total loans | 68,858,000 | 71,154,000 | 71,400,000 | 72,408,000 |
| Allowance for loan losses | 919,000 | 929,000 | 947,000 | 915,000 |
| Securities available for sale | 11,715,000 | 12,840,000 | 12,944,000 | 12,922,000 |
| Securities held to maturity | 6,199,000 | 6,179,000 | 6,077,000 | 5,958,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,638,000 | 102,639,000 | 103,334,000 | 104,340,000 |
| Interest-bearing deposits | 81,581,000 | 80,041,000 | 80,620,000 | 82,584,000 |
| Noninterest-bearing deposits | 23,057,000 | 22,598,000 | 22,714,000 | 21,756,000 |
| Equity capital | 11,935,000 | 11,880,000 | 12,357,000 | 12,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,981,000 | 4,036,000 | 6,140,000 | 8,280,000 |
| Interest expense | 508,000 | 1,084,000 | 1,716,000 | 2,419,000 |
| Net interest income | 1,473,000 | 2,952,000 | 4,424,000 | 5,861,000 |
| Noninterest income | 224,000 | 471,000 | 720,000 | 967,000 |
| Noninterest expense | 1,067,000 | 2,148,000 | 3,242,000 | 4,353,000 |
| Provision for loan losses | 59,000 | 119,000 | 179,000 | 240,000 |
| Pretax income | 571,000 | 1,156,000 | 1,723,000 | 2,235,000 |
| Income tax | 187,000 | 377,000 | 578,000 | 728,000 |
| Net income | 384,000 | 779,000 | 1,145,000 | 1,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,069,000 | 12,089,000 | 12,455,000 | 12,816,000 |
| Total capital | 12,893,000 | 12,931,000 | 13,307,000 | 13,682,000 |
| Risk-weighted assets | 65,812,000 | 67,259,000 | 68,061,000 | 69,247,000 |