Call reports 2015
FARMERS AND MINERS BANK — 2015
What FARMERS AND MINERS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 137,615,000 | 136,203,000 | 137,084,000 | 140,464,000 |
| Total loans | 62,162,000 | 61,370,000 | 61,877,000 | 60,918,000 |
| Allowance for loan losses | 1,753,000 | 1,723,000 | 1,653,000 | 1,680,000 |
| Securities available for sale | 10,809,000 | 11,126,000 | 10,608,000 | 11,574,000 |
| Securities held to maturity | 20,125,000 | 20,007,000 | 19,445,000 | 19,165,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,454,000 | 118,062,000 | 118,575,000 | 122,454,000 |
| Interest-bearing deposits | 87,622,000 | 86,890,000 | 87,052,000 | 85,493,000 |
| Noninterest-bearing deposits | 31,832,000 | 31,172,000 | 31,523,000 | 36,961,000 |
| Equity capital | 17,577,000 | 17,623,000 | 17,829,000 | 17,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,472,000 | 2,943,000 | 4,446,000 | 5,924,000 |
| Interest expense | 82,000 | 165,000 | 247,000 | 328,000 |
| Net interest income | 1,390,000 | 2,778,000 | 4,199,000 | 5,596,000 |
| Noninterest income | 229,000 | 465,000 | 724,000 | 887,000 |
| Noninterest expense | 1,270,000 | 2,518,000 | 3,805,000 | 5,094,000 |
| Provision for loan losses | 0 | 0 | 0 | -25,000 |
| Pretax income | 356,000 | 734,000 | 1,133,000 | 1,433,000 |
| Income tax | 93,000 | 199,000 | 304,000 | 445,000 |
| Net income | 263,000 | 535,000 | 829,000 | 988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,564,000 | 17,686,000 | 17,830,000 | 17,539,000 |
| Total capital | 18,385,000 | 18,495,000 | 18,632,000 | 18,333,000 |
| Risk-weighted assets | 64,838,000 | 63,792,000 | 63,321,000 | 62,706,000 |