Call reports 2010
FARMERS AND MINERS BANK — 2010
What FARMERS AND MINERS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 130,620,000 | 133,902,000 | 129,878,000 | 127,956,000 |
| Total loans | 83,873,000 | 81,818,000 | 80,057,000 | 79,092,000 |
| Allowance for loan losses | 1,245,000 | 1,760,000 | 1,810,000 | 1,821,000 |
| Securities available for sale | 5,489,000 | 8,209,000 | 8,687,000 | 9,678,000 |
| Securities held to maturity | 10,066,000 | 10,381,000 | 9,404,000 | 9,931,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,404,000 | 118,759,000 | 114,578,000 | 112,286,000 |
| Interest-bearing deposits | 90,254,000 | 91,780,000 | 89,313,000 | 87,098,000 |
| Noninterest-bearing deposits | 25,150,000 | 26,979,000 | 25,265,000 | 25,188,000 |
| Equity capital | 14,695,000 | 14,673,000 | 14,817,000 | 15,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,970,000 | 3,927,000 | 5,874,000 | 7,770,000 |
| Interest expense | 369,000 | 721,000 | 1,049,000 | 1,330,000 |
| Net interest income | 1,601,000 | 3,206,000 | 4,825,000 | 6,440,000 |
| Noninterest income | 234,000 | 510,000 | 463,000 | 672,000 |
| Noninterest expense | 1,233,000 | 2,512,000 | 3,739,000 | 5,094,000 |
| Provision for loan losses | 88,000 | 648,000 | 739,000 | 830,000 |
| Pretax income | 512,000 | 553,000 | 807,000 | 1,187,000 |
| Income tax | 142,000 | 243,000 | 362,000 | 353,000 |
| Net income | 370,000 | 310,000 | 445,000 | 834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,676,000 | 14,615,000 | 14,751,000 | 15,140,000 |
| Total capital | 15,694,000 | 15,644,000 | 15,756,000 | 16,073,000 |
| Risk-weighted assets | 81,236,000 | 81,743,000 | 79,666,000 | 78,688,000 |