Call reports 2008
FARMERS & MERCHANTS BANK OF ORFORDVILLE — 2008
What FARMERS & MERCHANTS BANK OF ORFORDVILLE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 32,136,000 | 32,330,000 | 33,240,000 | 35,906,000 |
| Total loans | 22,805,000 | 23,353,000 | 23,569,000 | 23,610,000 |
| Allowance for loan losses | 348,000 | 323,000 | 313,000 | 298,000 |
| Securities available for sale | 762,000 | 752,000 | 755,000 | 1,176,000 |
| Securities held to maturity | 5,110,000 | 4,993,000 | 4,841,000 | 6,053,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,192,000 | 28,293,000 | 28,159,000 | 30,995,000 |
| Interest-bearing deposits | 25,237,000 | 24,848,000 | 25,359,000 | 27,314,000 |
| Noninterest-bearing deposits | 2,955,000 | 3,445,000 | 2,800,000 | 3,681,000 |
| Equity capital | 3,481,000 | 3,520,000 | 3,602,000 | 3,634,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 470,000 | 921,000 | 1,380,000 | 1,841,000 |
| Interest expense | 221,000 | 433,000 | 638,000 | 839,000 |
| Net interest income | 249,000 | 488,000 | 742,000 | 1,002,000 |
| Noninterest income | 38,000 | 77,000 | 132,000 | 175,000 |
| Noninterest expense | 184,000 | 381,000 | 583,000 | 826,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 103,000 | 184,000 | 291,000 | 320,000 |
| Income tax | 28,000 | 45,000 | 73,000 | 64,000 |
| Net income | 75,000 | 139,000 | 218,000 | 256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,472,000 | 3,518,000 | 3,598,000 | 3,618,000 |
| Total capital | 3,751,000 | 3,805,000 | 3,893,000 | 3,916,000 |
| Risk-weighted assets | 22,217,000 | 22,898,000 | 23,560,000 | 24,063,000 |
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