Call reports 2016
FARMERS & MERCHANTS STATE BANK OF NEOLA — 2016
What FARMERS & MERCHANTS STATE BANK OF NEOLA 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 | 63,164,000 | 63,776,000 | 61,307,000 | 62,060,000 |
| Total loans | 23,048,000 | 23,312,000 | 22,214,000 | 23,096,000 |
| Allowance for loan losses | 194,000 | 194,000 | 194,000 | 194,000 |
| Securities available for sale | 16,832,000 | 18,334,000 | 17,760,000 | 18,572,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,071,000 | 57,443,000 | 54,942,000 | 55,922,000 |
| Interest-bearing deposits | 44,891,000 | 45,774,000 | 43,201,000 | 42,434,000 |
| Noninterest-bearing deposits | 12,180,000 | 11,669,000 | 11,741,000 | 13,488,000 |
| Equity capital | 6,053,000 | 6,259,000 | 6,275,000 | 6,028,000 |
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 | 376,000 | 750,000 | 1,125,000 | 1,494,000 |
| Interest expense | 32,000 | 63,000 | 93,000 | 123,000 |
| Net interest income | 344,000 | 687,000 | 1,032,000 | 1,371,000 |
| Noninterest income | 33,000 | 58,000 | 113,000 | 153,000 |
| Noninterest expense | 331,000 | 598,000 | 950,000 | 1,263,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 76,000 | 180,000 | 228,000 | 294,000 |
| Income tax | 3,000 | 9,000 | 13,000 | 13,000 |
| Net income | 73,000 | 171,000 | 215,000 | 281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,981,000 | 6,088,000 | 6,059,000 | 5,747,000 |
| Total capital | 6,175,000 | 6,282,000 | 6,253,000 | 5,941,000 |
| Risk-weighted assets | 25,546,000 | 25,269,000 | 27,535,000 | 28,756,000 |