Call reports 2012
FARMERS & MERCHANTS BANK OF ORFORDVILLE — 2012
What FARMERS & MERCHANTS BANK OF ORFORDVILLE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 42,440,000 | 41,288,000 | 42,870,000 | 44,533,000 |
| Total loans | 25,020,000 | 25,647,000 | 25,424,000 | 25,668,000 |
| Allowance for loan losses | 600,000 | 604,000 | 571,000 | 536,000 |
| Securities available for sale | 7,313,000 | 8,617,000 | 9,871,000 | 9,829,000 |
| Securities held to maturity | 3,900,000 | 3,655,000 | 3,010,000 | 2,595,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,787,000 | 36,143,000 | 36,954,000 | 38,835,000 |
| Interest-bearing deposits | 30,784,000 | 30,162,000 | 31,333,000 | 32,820,000 |
| Noninterest-bearing deposits | 6,003,000 | 5,981,000 | 5,621,000 | 6,015,000 |
| Equity capital | 4,530,000 | 4,653,000 | 4,775,000 | 4,839,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 423,000 | 835,000 | 1,243,000 | 1,646,000 |
| Interest expense | 62,000 | 120,000 | 177,000 | 228,000 |
| Net interest income | 361,000 | 715,000 | 1,066,000 | 1,418,000 |
| Noninterest income | 45,000 | 89,000 | 142,000 | 198,000 |
| Noninterest expense | 247,000 | 480,000 | 751,000 | 1,031,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 128,000 | 293,000 | 426,000 | 554,000 |
| Income tax | 35,000 | 86,000 | 125,000 | 165,000 |
| Net income | 93,000 | 207,000 | 301,000 | 389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,456,000 | 4,570,000 | 4,664,000 | 4,752,000 |
| Total capital | 4,743,000 | 4,866,000 | 4,959,000 | 5,059,000 |
| Risk-weighted assets | 22,661,000 | 23,350,000 | 23,353,000 | 24,318,000 |