Call reports 2008
FARMERS AND MERCHANTS BANK OF HILL CITY — 2008
What FARMERS AND MERCHANTS BANK OF HILL CITY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 37,610,000 | 37,596,000 | 38,320,000 | 39,284,000 |
| Total loans | 27,490,000 | 27,437,000 | 27,949,000 | 30,317,000 |
| Allowance for loan losses | 480,000 | 484,000 | 546,000 | 493,000 |
| Securities available for sale | 3,000 | 3,000 | 3,000 | 2,000 |
| Securities held to maturity | 200,000 | 200,000 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,071,000 | 32,970,000 | 33,622,000 | 34,586,000 |
| Interest-bearing deposits | 28,561,000 | 28,521,000 | 28,890,000 | 29,858,000 |
| Noninterest-bearing deposits | 4,510,000 | 4,449,000 | 4,732,000 | 4,728,000 |
| Equity capital | 4,366,000 | 4,481,000 | 4,552,000 | 4,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 631,000 | 1,227,000 | 1,853,000 | 2,454,000 |
| Interest expense | 217,000 | 408,000 | 581,000 | 742,000 |
| Net interest income | 414,000 | 819,000 | 1,272,000 | 1,712,000 |
| Noninterest income | 73,000 | 120,000 | 196,000 | 326,000 |
| Noninterest expense | 227,000 | 465,000 | 755,000 | 1,143,000 |
| Provision for loan losses | 0 | 3,000 | 63,000 | 258,000 |
| Pretax income | 260,000 | 471,000 | 650,000 | 637,000 |
| Income tax | 4,000 | 10,000 | 18,000 | 26,000 |
| Net income | 256,000 | 461,000 | 632,000 | 611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,213,000 | 4,328,000 | 4,399,000 | 4,353,000 |
| Total capital | 4,587,000 | 4,701,000 | 4,778,000 | 4,768,000 |
| Risk-weighted assets | 29,784,000 | 29,732,000 | 30,192,000 | 33,154,000 |
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