Call reports 2012
FARMERS AND MECHANICS FEDERAL SAVINGS BANK — 2012
What FARMERS AND MECHANICS FEDERAL SAVINGS BANK 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 | 71,010,000 | 69,840,000 | 70,333,000 | 70,912,000 |
| Total loans | 36,131,000 | 35,610,000 | 35,313,000 | 34,892,000 |
| Allowance for loan losses | 111,000 | 111,000 | 110,000 | 110,000 |
| Securities available for sale | 20,190,000 | 21,693,000 | 23,168,000 | 23,062,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,974,000 | 57,361,000 | 57,468,000 | 58,047,000 |
| Interest-bearing deposits | 56,950,000 | 56,580,000 | 56,428,000 | 56,633,000 |
| Noninterest-bearing deposits | 1,024,000 | 781,000 | 1,040,000 | 1,414,000 |
| Equity capital | 11,899,000 | 11,866,000 | 12,125,000 | 12,142,000 |
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 | 647,000 | 1,237,000 | 1,851,000 | 2,413,000 |
| Interest expense | 177,000 | 348,000 | 514,000 | 671,000 |
| Net interest income | 470,000 | 889,000 | 1,337,000 | 1,742,000 |
| Noninterest income | 26,000 | 50,000 | 145,000 | 198,000 |
| Noninterest expense | 447,000 | 945,000 | 1,406,000 | 1,814,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 49,000 | 0 | 82,000 | 77,000 |
| Income tax | 11,000 | -18,000 | 4,000 | -42,000 |
| Net income | 38,000 | 18,000 | 78,000 | 120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,948,000 | 11,926,000 | 11,980,000 | 12,030,000 |
| Total capital | 12,059,000 | 12,037,000 | 12,090,000 | 12,140,000 |
| Risk-weighted assets | 32,334,000 | 31,264,000 | 31,041,000 | 31,088,000 |