Call reports 2018
FARMERS & MERCHANTS STATE BANK OF NEOLA — 2018
What FARMERS & MERCHANTS STATE BANK OF NEOLA reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 62,459,000 | 63,462,000 | 58,925,000 | 61,648,000 |
| Total loans | 23,487,000 | 24,125,000 | 25,139,000 | 25,087,000 |
| Allowance for loan losses | 163,000 | 160,000 | 161,000 | 166,000 |
| Securities available for sale | 19,963,000 | 20,352,000 | 19,770,000 | 19,105,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,005,000 | 56,888,000 | 52,257,000 | 55,175,000 |
| Interest-bearing deposits | 42,722,000 | 44,525,000 | 40,605,000 | 42,641,000 |
| Noninterest-bearing deposits | 13,283,000 | 12,363,000 | 11,652,000 | 12,534,000 |
| Equity capital | 6,401,000 | 6,493,000 | 6,574,000 | 6,340,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 426,000 | 876,000 | 1,339,000 | 1,809,000 |
| Interest expense | 33,000 | 70,000 | 111,000 | 164,000 |
| Net interest income | 393,000 | 806,000 | 1,228,000 | 1,645,000 |
| Noninterest income | 45,000 | 79,000 | 117,000 | 159,000 |
| Noninterest expense | 282,000 | 608,000 | 912,000 | 1,222,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 156,000 | 277,000 | 433,000 | 572,000 |
| Income tax | 9,000 | 14,000 | 22,000 | 27,000 |
| Net income | 147,000 | 263,000 | 411,000 | 545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,708,000 | 6,822,000 | 6,969,000 | 6,603,000 |
| Total capital | 6,871,000 | 6,982,000 | 7,130,000 | 6,769,000 |
| Risk-weighted assets | 28,298,000 | 27,116,000 | 30,174,000 | 29,404,000 |