Call reports 2015
FARMERS AND MECHANICS BANK, THE — 2015
What FARMERS AND MECHANICS BANK, THE 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 | 280,148,000 | 286,979,000 | 290,830,000 | 297,156,000 |
| Total loans | 171,000,000 | 177,728,000 | 182,175,000 | 183,783,000 |
| Allowance for loan losses | 1,992,000 | 2,029,000 | 2,010,000 | 2,148,000 |
| Securities available for sale | 79,694,000 | 81,067,000 | 78,805,000 | 78,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,202,000 | 247,032,000 | 242,489,000 | 255,488,000 |
| Interest-bearing deposits | 194,458,000 | 204,402,000 | 200,455,000 | 208,944,000 |
| Noninterest-bearing deposits | 42,744,000 | 42,630,000 | 42,034,000 | 46,544,000 |
| Equity capital | 36,166,000 | 36,331,000 | 37,634,000 | 37,756,000 |
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 | 2,372,000 | 4,814,000 | 7,318,000 | 9,862,000 |
| Interest expense | 149,000 | 300,000 | 452,000 | 611,000 |
| Net interest income | 2,223,000 | 4,514,000 | 6,866,000 | 9,251,000 |
| Noninterest income | 1,074,000 | 2,124,000 | 3,274,000 | 4,376,000 |
| Noninterest expense | 2,152,000 | 4,262,000 | 6,422,000 | 8,673,000 |
| Provision for loan losses | 106,000 | 136,000 | 136,000 | 281,000 |
| Pretax income | 1,039,000 | 2,256,000 | 3,621,000 | 4,712,000 |
| Income tax | 309,000 | 685,000 | 1,118,000 | 1,403,000 |
| Net income | 730,000 | 1,571,000 | 2,503,000 | 3,309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,464,000 | 28,315,000 | 29,255,000 | 29,700,000 |
| Total capital | 29,456,000 | 30,344,000 | 31,265,000 | 31,848,000 |
| Risk-weighted assets | 175,032,000 | 184,268,000 | 192,516,000 | 191,525,000 |