Call reports 2015
MERCHANTS & FARMERS BANK OF GREENE COUNTY — 2015
What MERCHANTS & FARMERS BANK OF GREENE COUNTY 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 | 64,950,000 | 62,906,000 | 61,529,000 | 63,962,000 |
| Total loans | 28,556,000 | 29,931,000 | 29,500,000 | 29,788,000 |
| Allowance for loan losses | 343,000 | 339,000 | 206,000 | 210,000 |
| Securities available for sale | 23,888,000 | 24,180,000 | 23,096,000 | 22,506,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,949,000 | 54,039,000 | 52,785,000 | 55,547,000 |
| Interest-bearing deposits | 30,715,000 | 29,202,000 | 30,455,000 | 29,383,000 |
| Noninterest-bearing deposits | 25,234,000 | 24,837,000 | 22,330,000 | 26,164,000 |
| Equity capital | 6,862,000 | 6,712,000 | 6,526,000 | 6,201,000 |
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 | 591,000 | 1,200,000 | 1,825,000 | 2,451,000 |
| Interest expense | 35,000 | 90,000 | 146,000 | 222,000 |
| Net interest income | 556,000 | 1,110,000 | 1,679,000 | 2,229,000 |
| Noninterest income | 186,000 | 373,000 | 563,000 | 770,000 |
| Noninterest expense | 670,000 | 1,351,000 | 2,052,000 | 2,649,000 |
| Provision for loan losses | 0 | 0 | 294,000 | 666,000 |
| Pretax income | 72,000 | 148,000 | -88,000 | -300,000 |
| Income tax | 1,000 | 1,000 | 1,000 | -24,000 |
| Net income | 71,000 | 147,000 | -89,000 | -276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,087,000 | 6,163,000 | 5,926,000 | 5,740,000 |
| Total capital | 6,087,000 | 6,502,000 | 6,132,000 | 5,950,000 |
| Risk-weighted assets | 27,237,000 | 28,500,000 | 36,458,000 | 36,900,000 |