Call reports 2010
FARMERS AND MERCHANTS BANK OF KENDALL — 2010
What FARMERS AND MERCHANTS BANK OF KENDALL reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 56,927,000 | 58,287,000 | 57,385,000 | 55,950,000 |
| Total loans | 55,296,000 | 56,635,000 | 55,384,000 | 53,336,000 |
| Allowance for loan losses | 898,000 | 1,022,000 | 1,114,000 | 1,201,000 |
| Securities available for sale | 158,000 | 133,000 | 136,000 | 134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,508,000 | 45,912,000 | 45,865,000 | 45,216,000 |
| Interest-bearing deposits | 41,108,000 | 42,287,000 | 41,900,000 | 40,749,000 |
| Noninterest-bearing deposits | 3,400,000 | 3,625,000 | 3,965,000 | 4,467,000 |
| Equity capital | 5,991,000 | 6,098,000 | 6,414,000 | 6,487,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 973,000 | 1,973,000 | 3,052,000 | 4,026,000 |
| Interest expense | 234,000 | 456,000 | 666,000 | 853,000 |
| Net interest income | 739,000 | 1,517,000 | 2,386,000 | 3,173,000 |
| Noninterest income | 119,000 | 273,000 | 428,000 | 580,000 |
| Noninterest expense | 335,000 | 641,000 | 958,000 | 1,457,000 |
| Provision for loan losses | 152,000 | 341,000 | 558,000 | 748,000 |
| Pretax income | 371,000 | 808,000 | 1,298,000 | 1,548,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 3,000 |
| Net income | 370,000 | 807,000 | 1,296,000 | 1,545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,985,000 | 6,092,000 | 6,405,000 | 6,480,000 |
| Total capital | 6,594,000 | 6,702,000 | 7,018,000 | 7,081,000 |
| Risk-weighted assets | 48,391,000 | 48,421,000 | 48,547,000 | 47,499,000 |