Call reports 2011
FARMERS & MERCHANTS BANK OF ORFORDVILLE — 2011
What FARMERS & MERCHANTS BANK OF ORFORDVILLE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 42,157,000 | 39,855,000 | 42,828,000 | 42,332,000 |
| Total loans | 25,336,000 | 26,017,000 | 26,041,000 | 25,920,000 |
| Allowance for loan losses | 545,000 | 514,000 | 549,000 | 573,000 |
| Securities available for sale | 5,569,000 | 6,007,000 | 5,990,000 | 6,546,000 |
| Securities held to maturity | 5,862,000 | 5,421,000 | 5,237,000 | 4,756,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,102,000 | 35,281,000 | 37,222,000 | 37,192,000 |
| Interest-bearing deposits | 32,669,000 | 30,842,000 | 32,157,000 | 31,102,000 |
| Noninterest-bearing deposits | 4,433,000 | 4,439,000 | 5,065,000 | 6,090,000 |
| Equity capital | 4,054,000 | 4,201,000 | 4,323,000 | 4,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 430,000 | 866,000 | 1,350,000 | 1,790,000 |
| Interest expense | 110,000 | 208,000 | 298,000 | 372,000 |
| Net interest income | 320,000 | 658,000 | 1,052,000 | 1,418,000 |
| Noninterest income | 42,000 | 84,000 | 128,000 | 178,000 |
| Noninterest expense | 235,000 | 468,000 | 729,000 | 983,000 |
| Provision for loan losses | 0 | 0 | 44,000 | 50,000 |
| Pretax income | 127,000 | 276,000 | 409,000 | 565,000 |
| Income tax | 30,000 | 80,000 | 113,000 | 158,000 |
| Net income | 97,000 | 196,000 | 296,000 | 407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,052,000 | 4,151,000 | 4,252,000 | 4,363,000 |
| Total capital | 4,362,000 | 4,458,000 | 4,553,000 | 4,666,000 |
| Risk-weighted assets | 24,597,000 | 24,379,000 | 23,848,000 | 23,988,000 |