Call reports 2015
FARMERS AND MECHANICS FEDERAL SAVINGS BANK — 2015
What FARMERS AND MECHANICS FEDERAL SAVINGS BANK 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 | 70,175,000 | 69,481,000 | 69,987,000 | 70,523,000 |
| Total loans | 31,752,000 | 31,088,000 | 30,633,000 | 30,595,000 |
| Allowance for loan losses | 109,000 | 109,000 | 108,000 | 108,000 |
| Securities available for sale | 25,491,000 | 27,154,000 | 25,725,000 | 26,215,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,709,000 | 57,172,000 | 57,484,000 | 57,980,000 |
| Interest-bearing deposits | 56,988,000 | 56,366,000 | 56,553,000 | 56,918,000 |
| Noninterest-bearing deposits | 721,000 | 806,000 | 931,000 | 1,062,000 |
| Equity capital | 12,360,000 | 12,225,000 | 12,409,000 | 12,456,000 |
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 | 501,000 | 1,092,000 | 1,533,000 | 2,016,000 |
| Interest expense | 107,000 | 213,000 | 317,000 | 416,000 |
| Net interest income | 394,000 | 879,000 | 1,216,000 | 1,600,000 |
| Noninterest income | 33,000 | 63,000 | 100,000 | 131,000 |
| Noninterest expense | 416,000 | 825,000 | 1,253,000 | 1,686,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,000 | 109,000 | 64,000 | 76,000 |
| Income tax | -10,000 | 3,000 | -16,000 | -27,000 |
| Net income | 14,000 | 106,000 | 80,000 | 103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,171,000 | 12,264,000 | 12,237,000 | 12,260,000 |
| Total capital | 12,280,000 | 12,373,000 | 12,345,000 | 12,368,000 |
| Risk-weighted assets | 26,921,000 | 26,232,000 | 26,118,000 | 26,243,000 |