Call reports 2016
FARMERS AND MECHANICS BANK, THE — 2016
What FARMERS AND MECHANICS BANK, THE 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 | 304,295,000 | 306,319,000 | 355,879,000 | 344,748,000 |
| Total loans | 183,546,000 | 188,117,000 | 210,433,000 | 209,701,000 |
| Allowance for loan losses | 2,210,000 | 2,252,000 | 2,098,000 | 2,418,000 |
| Securities available for sale | 73,717,000 | 77,905,000 | 104,477,000 | 102,784,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,167,000 | 266,438,000 | 309,352,000 | 288,229,000 |
| Interest-bearing deposits | 215,366,000 | 221,998,000 | 255,585,000 | 236,849,000 |
| Noninterest-bearing deposits | 45,801,000 | 44,440,000 | 53,767,000 | 51,380,000 |
| Equity capital | 38,986,000 | 35,337,000 | 42,236,000 | 41,441,000 |
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 | 2,498,000 | 5,040,000 | 7,912,000 | 10,815,000 |
| Interest expense | 173,000 | 336,000 | 536,000 | 710,000 |
| Net interest income | 2,325,000 | 4,704,000 | 7,376,000 | 10,105,000 |
| Noninterest income | 1,147,000 | 2,506,000 | 3,788,000 | 5,085,000 |
| Noninterest expense | 2,162,000 | 4,443,000 | 7,172,000 | 9,871,000 |
| Provision for loan losses | 60,000 | 130,000 | 440,000 | 530,000 |
| Pretax income | 1,334,000 | 2,720,000 | 3,630,000 | 4,867,000 |
| Income tax | 410,000 | 758,000 | 1,024,000 | 1,384,000 |
| Net income | 924,000 | 1,962,000 | 2,606,000 | 3,483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,584,000 | 26,594,000 | 32,216,000 | 33,246,000 |
| Total capital | 32,794,000 | 28,846,000 | 34,314,000 | 35,664,000 |
| Risk-weighted assets | 192,356,000 | 187,525,000 | 221,262,000 | 222,272,000 |
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