Call reports 2008
FARMERS AND MERCHANTS BANK OF KENDALL — 2008
What FARMERS AND MERCHANTS BANK OF KENDALL reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 46,949,000 | 52,173,000 | 50,684,000 | 52,634,000 |
| Total loans | 43,024,000 | 48,024,000 | 46,992,000 | 47,846,000 |
| Allowance for loan losses | 441,000 | 443,000 | 452,000 | 459,000 |
| Securities available for sale | 604,000 | 471,000 | 470,000 | 474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,451,000 | 41,788,000 | 40,160,000 | 41,291,000 |
| Interest-bearing deposits | 32,836,000 | 37,148,000 | 36,477,000 | 37,780,000 |
| Noninterest-bearing deposits | 3,615,000 | 4,640,000 | 3,683,000 | 3,511,000 |
| Equity capital | 4,171,000 | 4,207,000 | 4,344,000 | 5,175,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 961,000 | 1,981,000 | 3,022,000 | 4,015,000 |
| Interest expense | 418,000 | 818,000 | 1,213,000 | 1,579,000 |
| Net interest income | 543,000 | 1,163,000 | 1,809,000 | 2,436,000 |
| Noninterest income | 79,000 | 163,000 | 245,000 | 326,000 |
| Noninterest expense | 257,000 | 510,000 | 777,000 | 1,148,000 |
| Provision for loan losses | 18,000 | 27,000 | 39,000 | 48,000 |
| Pretax income | 347,000 | 789,000 | 1,238,000 | 1,566,000 |
| Income tax | 4,000 | 4,000 | 5,000 | 6,000 |
| Net income | 343,000 | 785,000 | 1,233,000 | 1,560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,155,000 | 4,198,000 | 4,336,000 | 5,163,000 |
| Total capital | 4,596,000 | 4,641,000 | 4,788,000 | 5,622,000 |
| Risk-weighted assets | 39,145,000 | 41,596,000 | 41,103,000 | 42,219,000 |