Call reports 2013
FARMERS & MERCHANTS BANK OF ORFORDVILLE — 2013
What FARMERS & MERCHANTS BANK OF ORFORDVILLE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 44,911,000 | 44,149,000 | 45,038,000 | 46,625,000 |
| Total loans | 26,968,000 | 28,235,000 | 29,304,000 | 28,874,000 |
| Allowance for loan losses | 541,000 | 543,000 | 543,000 | 544,000 |
| Securities available for sale | 9,944,000 | 9,895,000 | 10,083,000 | 10,828,000 |
| Securities held to maturity | 2,435,000 | 2,085,000 | 1,885,000 | 1,455,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,337,000 | 37,860,000 | 38,989,000 | 40,706,000 |
| Interest-bearing deposits | 32,610,000 | 32,178,000 | 33,288,000 | 34,517,000 |
| Noninterest-bearing deposits | 6,727,000 | 5,682,000 | 5,701,000 | 6,189,000 |
| Equity capital | 4,941,000 | 4,959,000 | 5,093,000 | 5,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 404,000 | 820,000 | 1,252,000 | 1,695,000 |
| Interest expense | 48,000 | 94,000 | 140,000 | 187,000 |
| Net interest income | 356,000 | 726,000 | 1,112,000 | 1,508,000 |
| Noninterest income | 40,000 | 98,000 | 160,000 | 217,000 |
| Noninterest expense | 241,000 | 474,000 | 739,000 | 1,007,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 155,000 | 350,000 | 533,000 | 718,000 |
| Income tax | 41,000 | 105,000 | 172,000 | 213,000 |
| Net income | 114,000 | 245,000 | 361,000 | 505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,867,000 | 4,997,000 | 5,112,000 | 5,257,000 |
| Total capital | 5,184,000 | 5,316,000 | 5,450,000 | 5,580,000 |
| Risk-weighted assets | 25,129,000 | 25,313,000 | 26,805,000 | 25,601,000 |