Call reports 2012
FARMERS AND MERCHANTS BANK OF KENDALL — 2012
What FARMERS AND MERCHANTS BANK OF KENDALL reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 53,952,000 | 54,210,000 | 53,469,000 | 54,170,000 |
| Total loans | 51,158,000 | 51,813,000 | 51,358,000 | 51,025,000 |
| Allowance for loan losses | 723,000 | 777,000 | 822,000 | 772,000 |
| Securities available for sale | 130,000 | 129,000 | 128,000 | 127,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,870,000 | 43,947,000 | 41,241,000 | 41,428,000 |
| Interest-bearing deposits | 38,833,000 | 39,122,000 | 35,285,000 | 35,626,000 |
| Noninterest-bearing deposits | 5,037,000 | 4,825,000 | 5,956,000 | 5,802,000 |
| Equity capital | 6,830,000 | 6,976,000 | 6,934,000 | 7,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 905,000 | 1,734,000 | 2,553,000 | 3,364,000 |
| Interest expense | 158,000 | 305,000 | 433,000 | 546,000 |
| Net interest income | 747,000 | 1,429,000 | 2,120,000 | 2,818,000 |
| Noninterest income | 136,000 | 188,000 | 325,000 | 460,000 |
| Noninterest expense | 365,000 | 693,000 | 1,038,000 | 1,484,000 |
| Provision for loan losses | 339,000 | 497,000 | 561,000 | 581,000 |
| Pretax income | 179,000 | 427,000 | 846,000 | 1,213,000 |
| Income tax | 0 | 1,000 | 1,000 | 2,000 |
| Net income | 179,000 | 426,000 | 845,000 | 1,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,826,000 | 6,973,000 | 6,932,000 | 7,018,000 |
| Total capital | 7,397,000 | 7,572,000 | 7,540,000 | 7,628,000 |
| Risk-weighted assets | 46,517,000 | 47,776,000 | 48,438,000 | 48,650,000 |