Call reports 2013
FARMERS AND MECHANICS FEDERAL SAVINGS BANK — 2013
What FARMERS AND MECHANICS FEDERAL SAVINGS BANK 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 | 71,134,000 | 69,484,000 | 68,742,000 | 69,123,000 |
| Total loans | 34,653,000 | 34,871,000 | 34,955,000 | 33,880,000 |
| Allowance for loan losses | 110,000 | 110,000 | 110,000 | 110,000 |
| Securities available for sale | 24,272,000 | 24,015,000 | 22,176,000 | 24,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,140,000 | 56,959,000 | 56,859,000 | 57,342,000 |
| Interest-bearing deposits | 56,857,000 | 56,092,000 | 55,744,000 | 56,264,000 |
| Noninterest-bearing deposits | 1,283,000 | 867,000 | 1,115,000 | 1,078,000 |
| Equity capital | 12,219,000 | 11,919,000 | 11,777,000 | 11,686,000 |
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 | 630,000 | 1,152,000 | 1,512,000 | 2,055,000 |
| Interest expense | 147,000 | 284,000 | 416,000 | 540,000 |
| Net interest income | 483,000 | 868,000 | 1,096,000 | 1,515,000 |
| Noninterest income | 38,000 | 87,000 | 81,000 | 116,000 |
| Noninterest expense | 463,000 | 871,000 | 1,288,000 | 1,718,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 28,000 | 37,000 | -147,000 | -151,000 |
| Income tax | 2,000 | -3,000 | -68,000 | -78,000 |
| Net income | 26,000 | 40,000 | -79,000 | -73,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,061,000 | 12,080,000 | 11,962,000 | 11,967,000 |
| Total capital | 12,171,000 | 12,190,000 | 12,072,000 | 12,077,000 |
| Risk-weighted assets | 30,734,000 | 30,574,000 | 29,764,000 | 29,260,000 |