Call reports 2009
FARMERS AND MERCHANTS BANK OF KENDALL — 2009
What FARMERS AND MERCHANTS BANK OF KENDALL reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 53,497,000 | 55,930,000 | 56,914,000 | 57,422,000 |
| Total loans | 51,596,000 | 53,794,000 | 54,787,000 | 54,004,000 |
| Allowance for loan losses | 450,000 | 467,000 | 542,000 | 800,000 |
| Securities available for sale | 387,000 | 289,000 | 291,000 | 289,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,726,000 | 44,275,000 | 44,951,000 | 45,719,000 |
| Interest-bearing deposits | 38,228,000 | 40,373,000 | 41,844,000 | 41,466,000 |
| Noninterest-bearing deposits | 3,498,000 | 3,902,000 | 3,107,000 | 4,253,000 |
| Equity capital | 5,423,000 | 5,570,000 | 5,875,000 | 5,672,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 991,000 | 1,994,000 | 3,072,000 | 4,044,000 |
| Interest expense | 352,000 | 667,000 | 954,000 | 1,234,000 |
| Net interest income | 639,000 | 1,327,000 | 2,118,000 | 2,810,000 |
| Noninterest income | 75,000 | 155,000 | 251,000 | 356,000 |
| Noninterest expense | 298,000 | 638,000 | 936,000 | 1,359,000 |
| Provision for loan losses | 17,000 | 35,000 | 120,000 | 545,000 |
| Pretax income | 399,000 | 809,000 | 1,313,000 | 1,262,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 3,000 |
| Net income | 398,000 | 808,000 | 1,311,000 | 1,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,413,000 | 5,563,000 | 5,866,000 | 5,665,000 |
| Total capital | 5,863,000 | 6,030,000 | 6,408,000 | 6,261,000 |
| Risk-weighted assets | 44,448,000 | 46,678,000 | 47,905,000 | 47,513,000 |