Call reports 2007
FARMERS AND MERCHANTS BANK OF HILL CITY — 2007
What FARMERS AND MERCHANTS BANK OF HILL CITY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 35,250,000 | 34,713,000 | 34,766,000 | 37,466,000 |
| Total loans | 29,227,000 | 31,084,000 | 30,225,000 | 29,299,000 |
| Allowance for loan losses | 514,000 | 490,000 | 499,000 | 479,000 |
| Securities available for sale | 3,000 | 3,000 | 3,000 | 3,000 |
| Securities held to maturity | 201,000 | 201,000 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,741,000 | 30,126,000 | 30,225,000 | 32,992,000 |
| Interest-bearing deposits | 27,039,000 | 26,487,000 | 26,451,000 | 27,620,000 |
| Noninterest-bearing deposits | 3,702,000 | 3,639,000 | 3,774,000 | 5,372,000 |
| Equity capital | 4,330,000 | 4,405,000 | 4,342,000 | 4,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 691,000 | 1,337,000 | 1,989,000 | 2,647,000 |
| Interest expense | 203,000 | 417,000 | 640,000 | 864,000 |
| Net interest income | 488,000 | 920,000 | 1,349,000 | 1,783,000 |
| Noninterest income | 33,000 | 76,000 | 112,000 | 151,000 |
| Noninterest expense | 232,000 | 459,000 | 719,000 | 1,069,000 |
| Provision for loan losses | 9,000 | 12,000 | 21,000 | 30,000 |
| Pretax income | 280,000 | 525,000 | 721,000 | 835,000 |
| Income tax | 4,000 | 9,000 | 18,000 | 24,000 |
| Net income | 276,000 | 516,000 | 703,000 | 811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,177,000 | 4,252,000 | 4,189,000 | 4,157,000 |
| Total capital | 4,566,000 | 4,664,000 | 4,588,000 | 4,549,000 |
| Risk-weighted assets | 31,009,000 | 32,886,000 | 31,855,000 | 31,284,000 |
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