Call reports 2015
FARMERS & MERCHANTS STATE BANK OF NEOLA — 2015
What FARMERS & MERCHANTS STATE BANK OF NEOLA 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 | 64,497,000 | 62,153,000 | 60,073,000 | 64,790,000 |
| Total loans | 22,406,000 | 22,743,000 | 22,390,000 | 24,110,000 |
| Allowance for loan losses | 194,000 | 194,000 | 194,000 | 194,000 |
| Securities available for sale | 19,358,000 | 17,830,000 | 17,602,000 | 17,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,516,000 | 56,312,000 | 54,068,000 | 58,744,000 |
| Interest-bearing deposits | 45,012,000 | 44,180,000 | 42,220,000 | 44,635,000 |
| Noninterest-bearing deposits | 13,504,000 | 12,132,000 | 11,848,000 | 14,109,000 |
| Equity capital | 5,939,000 | 5,789,000 | 5,925,000 | 5,934,000 |
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 | 371,000 | 739,000 | 1,112,000 | 1,490,000 |
| Interest expense | 35,000 | 68,000 | 100,000 | 133,000 |
| Net interest income | 336,000 | 671,000 | 1,012,000 | 1,357,000 |
| Noninterest income | 41,000 | 64,000 | 112,000 | 152,000 |
| Noninterest expense | 348,000 | 677,000 | 1,022,000 | 1,381,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 36,000 | 65,000 | 109,000 | 135,000 |
| Income tax | 1,000 | 3,000 | 5,000 | 6,000 |
| Net income | 35,000 | 62,000 | 104,000 | 129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,809,000 | 5,836,000 | 5,821,000 | 5,805,000 |
| Total capital | 6,003,000 | 6,030,000 | 6,015,000 | 5,999,000 |
| Risk-weighted assets | 24,664,000 | 25,257,000 | 25,516,000 | 26,827,000 |