Call reports 2009
FARMERS AND MINERS BANK — 2009
What FARMERS AND MINERS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 123,309,000 | 124,202,000 | 123,521,000 | 127,949,000 |
| Total loans | 82,897,000 | 84,229,000 | 85,505,000 | 85,321,000 |
| Allowance for loan losses | 1,002,000 | 1,079,000 | 1,177,000 | 1,367,000 |
| Securities available for sale | 9,301,000 | 6,431,000 | 4,998,000 | 5,369,000 |
| Securities held to maturity | 8,515,000 | 9,211,000 | 8,879,000 | 10,444,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,068,000 | 109,351,000 | 108,297,000 | 112,931,000 |
| Interest-bearing deposits | 84,663,000 | 85,713,000 | 86,254,000 | 88,622,000 |
| Noninterest-bearing deposits | 24,405,000 | 23,638,000 | 22,043,000 | 24,309,000 |
| Equity capital | 13,756,000 | 14,149,000 | 14,548,000 | 14,487,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,063,000 | 4,067,000 | 6,007,000 | 7,970,000 |
| Interest expense | 492,000 | 931,000 | 1,345,000 | 1,743,000 |
| Net interest income | 1,571,000 | 3,136,000 | 4,662,000 | 6,227,000 |
| Noninterest income | 223,000 | 472,000 | 751,000 | 1,002,000 |
| Noninterest expense | 1,296,000 | 2,614,000 | 3,813,000 | 5,066,000 |
| Provision for loan losses | 474,000 | 563,000 | 794,000 | 1,084,000 |
| Pretax income | 24,000 | 434,000 | 811,000 | 1,088,000 |
| Income tax | 0 | 0 | 0 | 280,000 |
| Net income | 24,000 | 434,000 | 811,000 | 808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,722,000 | 14,132,000 | 14,509,000 | 14,506,000 |
| Total capital | 14,705,000 | 15,140,000 | 15,509,000 | 15,539,000 |
| Risk-weighted assets | 78,984,000 | 80,586,000 | 79,872,000 | 82,378,000 |