Call reports 2016
FARMERS AND MINERS BANK — 2016
What FARMERS AND MINERS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 136,006,000 | 137,054,000 | 138,596,000 | 135,379,000 |
| Total loans | 61,997,000 | 63,001,000 | 62,049,000 | 64,846,000 |
| Allowance for loan losses | 1,662,000 | 1,738,000 | 1,699,000 | 1,637,000 |
| Securities available for sale | 10,288,000 | 11,020,000 | 11,218,000 | 11,651,000 |
| Securities held to maturity | 18,485,000 | 18,145,000 | 16,322,000 | 16,918,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,782,000 | 118,976,000 | 119,355,000 | 117,374,000 |
| Interest-bearing deposits | 83,288,000 | 83,609,000 | 82,931,000 | 81,113,000 |
| Noninterest-bearing deposits | 34,494,000 | 35,367,000 | 36,424,000 | 36,261,000 |
| Equity capital | 17,696,000 | 17,744,000 | 17,870,000 | 17,624,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,480,000 | 2,936,000 | 4,474,000 | 5,970,000 |
| Interest expense | 78,000 | 156,000 | 234,000 | 309,000 |
| Net interest income | 1,402,000 | 2,780,000 | 4,240,000 | 5,661,000 |
| Noninterest income | 219,000 | 435,000 | 656,000 | 875,000 |
| Noninterest expense | 1,263,000 | 2,538,000 | 3,812,000 | 5,095,000 |
| Provision for loan losses | 0 | -54,000 | -54,000 | -65,000 |
| Pretax income | 414,000 | 789,000 | 1,170,000 | 1,540,000 |
| Income tax | 100,000 | 275,000 | 387,000 | 485,000 |
| Net income | 314,000 | 514,000 | 783,000 | 1,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,703,000 | 17,751,000 | 17,879,000 | 17,633,000 |
| Total capital | 18,494,000 | 18,559,000 | 18,667,000 | 18,462,000 |
| Risk-weighted assets | 62,446,000 | 63,732,000 | 62,167,000 | 65,540,000 |