Call reports 2007
FARMERS & MERCHANTS BANK OF ORFORDVILLE — 2007
What FARMERS & MERCHANTS BANK OF ORFORDVILLE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 30,023,000 | 30,616,000 | 30,577,000 | 31,976,000 |
| Total loans | 20,700,000 | 21,437,000 | 21,811,000 | 22,574,000 |
| Allowance for loan losses | 334,000 | 336,000 | 343,000 | 326,000 |
| Securities available for sale | 1,338,000 | 1,338,000 | 1,148,000 | 1,154,000 |
| Securities held to maturity | 5,171,000 | 4,481,000 | 4,526,000 | 4,463,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,256,000 | 26,916,000 | 26,474,000 | 28,055,000 |
| Interest-bearing deposits | 23,438,000 | 23,472,000 | 23,506,000 | 24,373,000 |
| Noninterest-bearing deposits | 2,818,000 | 3,445,000 | 2,968,000 | 3,682,000 |
| Equity capital | 3,256,000 | 3,291,000 | 3,382,000 | 3,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 425,000 | 843,000 | 1,305,000 | 1,765,000 |
| Interest expense | 197,000 | 406,000 | 627,000 | 854,000 |
| Net interest income | 228,000 | 437,000 | 678,000 | 911,000 |
| Noninterest income | 43,000 | 83,000 | 133,000 | 185,000 |
| Noninterest expense | 156,000 | 336,000 | 509,000 | 729,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 100,000 | 169,000 | 287,000 | 352,000 |
| Income tax | 25,000 | 41,000 | 74,000 | 86,000 |
| Net income | 75,000 | 128,000 | 213,000 | 266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,260,000 | 3,295,000 | 3,380,000 | 3,415,000 |
| Total capital | 3,515,000 | 3,556,000 | 3,645,000 | 3,689,000 |
| Risk-weighted assets | 20,303,000 | 20,802,000 | 21,129,000 | 21,844,000 |
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