Call reports 2007
FARMERS AND MERCHANTS BANK OF KENDALL — 2007
What FARMERS AND MERCHANTS BANK OF KENDALL reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 47,642,000 | 47,593,000 | 47,352,000 | 47,810,000 |
| Total loans | 42,144,000 | 43,289,000 | 43,422,000 | 43,493,000 |
| Allowance for loan losses | 387,000 | 407,000 | 423,000 | 419,000 |
| Securities available for sale | 1,284,000 | 1,189,000 | 1,195,000 | 744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,662,000 | 37,850,000 | 37,444,000 | 38,006,000 |
| Interest-bearing deposits | 33,931,000 | 34,014,000 | 33,518,000 | 33,665,000 |
| Noninterest-bearing deposits | 3,731,000 | 3,836,000 | 3,926,000 | 4,341,000 |
| Equity capital | 4,126,000 | 4,019,000 | 4,146,000 | 4,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 964,000 | 1,961,000 | 2,977,000 | 3,970,000 |
| Interest expense | 423,000 | 869,000 | 1,314,000 | 1,759,000 |
| Net interest income | 541,000 | 1,092,000 | 1,663,000 | 2,211,000 |
| Noninterest income | 57,000 | 132,000 | 236,000 | 311,000 |
| Noninterest expense | 239,000 | 471,000 | 702,000 | 1,045,000 |
| Provision for loan losses | 0 | 62,000 | 80,000 | 99,000 |
| Pretax income | 359,000 | 691,000 | 1,117,000 | 1,378,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 359,000 | 691,000 | 1,117,000 | 1,378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,120,000 | 4,018,000 | 4,139,000 | 3,996,000 |
| Total capital | 4,507,000 | 4,425,000 | 4,562,000 | 4,415,000 |
| Risk-weighted assets | 37,420,000 | 38,844,000 | 38,842,000 | 39,339,000 |