Call reports 2016
FARMERS AND MECHANICS FEDERAL SAVINGS BANK — 2016
What FARMERS AND MECHANICS FEDERAL SAVINGS BANK 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 | 70,301,000 | 69,565,000 | 70,191,000 | 69,422,000 |
| Total loans | 30,679,000 | 30,648,000 | 31,183,000 | 31,133,000 |
| Allowance for loan losses | 108,000 | 108,000 | 108,000 | 109,000 |
| Securities available for sale | 27,011,000 | 26,749,000 | 27,038,000 | 26,112,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,580,000 | 56,358,000 | 57,153,000 | 57,031,000 |
| Interest-bearing deposits | 56,026,000 | 55,536,000 | 55,838,000 | 55,495,000 |
| Noninterest-bearing deposits | 1,554,000 | 822,000 | 1,315,000 | 1,536,000 |
| Equity capital | 12,613,000 | 12,991,000 | 12,871,000 | 12,314,000 |
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 | 483,000 | 988,000 | 1,481,000 | 1,961,000 |
| Interest expense | 94,000 | 186,000 | 279,000 | 371,000 |
| Net interest income | 389,000 | 802,000 | 1,202,000 | 1,590,000 |
| Noninterest income | 44,000 | 71,000 | 106,000 | 142,000 |
| Noninterest expense | 394,000 | 840,000 | 1,277,000 | 1,692,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,000 |
| Pretax income | 39,000 | 35,000 | 53,000 | 56,000 |
| Income tax | -6,000 | -24,000 | -35,000 | -53,000 |
| Net income | 45,000 | 59,000 | 88,000 | 109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,305,000 | 12,319,000 | 12,349,000 | 12,284,000 |
| Total capital | 12,413,000 | 12,427,000 | 12,457,000 | 12,393,000 |
| Risk-weighted assets | 26,199,000 | 26,010,000 | 26,486,000 | 26,608,000 |