Call reports 2015
FARMERS & MERCHANTS BANK OF ORFORDVILLE — 2015
What FARMERS & MERCHANTS BANK OF ORFORDVILLE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 48,632,000 | 47,869,000 | 48,473,000 | 51,046,000 |
| Total loans | 29,370,000 | 31,178,000 | 32,221,000 | 31,522,000 |
| Allowance for loan losses | 553,000 | 538,000 | 553,000 | 512,000 |
| Securities available for sale | 11,681,000 | 12,015,000 | 11,403,000 | 11,838,000 |
| Securities held to maturity | 1,320,000 | 1,160,000 | 1,110,000 | 1,110,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,233,000 | 40,740,000 | 41,189,000 | 43,906,000 |
| Interest-bearing deposits | 33,823,000 | 34,312,000 | 34,912,000 | 36,585,000 |
| Noninterest-bearing deposits | 7,410,000 | 6,428,000 | 6,277,000 | 7,321,000 |
| Equity capital | 5,929,000 | 6,051,000 | 6,221,000 | 6,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 438,000 | 897,000 | 1,367,000 | 1,837,000 |
| Interest expense | 46,000 | 91,000 | 140,000 | 189,000 |
| Net interest income | 392,000 | 806,000 | 1,227,000 | 1,648,000 |
| Noninterest income | 49,000 | 101,000 | 150,000 | 199,000 |
| Noninterest expense | 278,000 | 537,000 | 826,000 | 1,164,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 163,000 | 370,000 | 551,000 | 633,000 |
| Income tax | 43,000 | 110,000 | 154,000 | 169,000 |
| Net income | 120,000 | 260,000 | 397,000 | 464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,814,000 | 6,025,000 | 6,067,000 | 6,126,000 |
| Total capital | 6,154,000 | 6,384,000 | 6,441,000 | 6,494,000 |
| Risk-weighted assets | 27,020,000 | 28,552,000 | 29,761,000 | 29,354,000 |