Call reports 2019
FARMERS AND MECHANICS FEDERAL SAVINGS BANK — 2019
What FARMERS AND MECHANICS FEDERAL SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 73,780,000 | 73,896,000 | 74,025,000 | 74,156,000 |
| Total loans | 27,026,000 | 26,233,000 | 26,540,000 | 26,190,000 |
| Allowance for loan losses | 109,000 | 109,000 | 109,000 | 109,000 |
| Securities available for sale | 34,925,000 | 34,730,000 | 32,792,000 | 34,237,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,927,000 | 60,857,000 | 60,718,000 | 61,102,000 |
| Interest-bearing deposits | 58,525,000 | 58,821,000 | 58,219,000 | 59,060,000 |
| Noninterest-bearing deposits | 2,402,000 | 2,036,000 | 2,499,000 | 2,042,000 |
| Equity capital | 12,755,000 | 12,960,000 | 13,212,000 | 12,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 555,000 | 1,125,000 | 1,708,000 | 2,254,000 |
| Interest expense | 150,000 | 310,000 | 474,000 | 655,000 |
| Net interest income | 405,000 | 815,000 | 1,234,000 | 1,599,000 |
| Noninterest income | 24,000 | 51,000 | 81,000 | 133,000 |
| Noninterest expense | 444,000 | 930,000 | 1,385,000 | 1,910,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -2,000 | 51,000 | 205,000 | 157,000 |
| Income tax | -18,000 | -19,000 | 10,000 | -8,000 |
| Net income | 16,000 | 70,000 | 195,000 | 165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,589,000 | 12,444,000 | 12,759,000 | 12,729,000 |
| Total capital | 12,698,000 | 12,553,000 | 12,868,000 | 12,838,000 |
| Risk-weighted assets | 25,462,000 | 23,629,000 | 23,735,000 | 23,843,000 |