Call reports 2015
FMB BANK — 2015
What FMB BANK 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 | 38,856,000 | 36,193,000 | 34,436,000 | 35,379,000 |
| Total loans | 17,909,000 | 18,557,000 | 18,950,000 | 19,193,000 |
| Allowance for loan losses | 285,000 | 278,000 | 285,000 | 321,000 |
| Securities available for sale | 11,789,000 | 11,413,000 | 9,111,000 | 7,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,912,000 | 30,639,000 | 30,351,000 | 31,595,000 |
| Interest-bearing deposits | 28,482,000 | 24,422,000 | 24,588,000 | 24,197,000 |
| Noninterest-bearing deposits | 6,430,000 | 6,217,000 | 5,763,000 | 7,398,000 |
| Equity capital | 3,792,000 | 3,716,000 | 3,795,000 | 3,716,000 |
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 | 313,000 | 626,000 | 939,000 | 1,223,000 |
| Interest expense | 20,000 | 38,000 | 56,000 | 72,000 |
| Net interest income | 293,000 | 588,000 | 883,000 | 1,151,000 |
| Noninterest income | 62,000 | 123,000 | 203,000 | 287,000 |
| Noninterest expense | 347,000 | 688,000 | 1,010,000 | 1,320,000 |
| Provision for loan losses | 3,000 | 22,000 | 29,000 | 64,000 |
| Pretax income | 5,000 | 1,000 | 55,000 | 63,000 |
| Income tax | 0 | -6,000 | 4,000 | 0 |
| Net income | 5,000 | 7,000 | 51,000 | 63,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,671,000 | 3,668,000 | 3,711,000 | 3,682,000 |
| Total capital | 3,956,000 | 3,946,000 | 3,996,000 | 3,977,000 |
| Risk-weighted assets | 20,710,000 | 23,524,000 | 23,995,000 | 23,582,000 |