Call reports 2016
FARMERS & MERCHANTS BANK OF ORFORDVILLE — 2016
What FARMERS & MERCHANTS BANK OF ORFORDVILLE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 50,160,000 | 49,694,000 | 48,975,000 | 50,843,000 |
| Total loans | 31,027,000 | 31,198,000 | 31,886,000 | 31,404,000 |
| Allowance for loan losses | 536,000 | 534,000 | 554,000 | 547,000 |
| Securities available for sale | 11,180,000 | 11,471,000 | 11,367,000 | 11,590,000 |
| Securities held to maturity | 1,110,000 | 730,000 | 680,000 | 610,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,986,000 | 41,534,000 | 41,585,000 | 43,631,000 |
| Interest-bearing deposits | 34,730,000 | 34,737,000 | 34,073,000 | 35,607,000 |
| Noninterest-bearing deposits | 7,256,000 | 6,797,000 | 7,512,000 | 8,024,000 |
| Equity capital | 6,378,000 | 6,523,000 | 6,604,000 | 6,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 465,000 | 927,000 | 1,394,000 | 1,867,000 |
| Interest expense | 48,000 | 97,000 | 148,000 | 199,000 |
| Net interest income | 417,000 | 830,000 | 1,246,000 | 1,668,000 |
| Noninterest income | 44,000 | 85,000 | 119,000 | 162,000 |
| Noninterest expense | 248,000 | 522,000 | 801,000 | 1,175,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 213,000 | 393,000 | 564,000 | 655,000 |
| Income tax | 69,000 | 129,000 | 186,000 | 200,000 |
| Net income | 144,000 | 264,000 | 378,000 | 455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,319,000 | 6,439,000 | 6,553,000 | 6,577,000 |
| Total capital | 6,679,000 | 6,787,000 | 6,925,000 | 6,945,000 |
| Risk-weighted assets | 28,690,000 | 27,705,000 | 29,645,000 | 29,333,000 |