Call reports 2015
FARMERS AND MERCHANTS BANK OF KENDALL — 2015
What FARMERS AND MERCHANTS BANK OF KENDALL reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 71,207,000 | 72,003,000 | 72,551,000 | 73,918,000 |
| Total loans | 64,799,000 | 65,335,000 | 66,347,000 | 67,422,000 |
| Allowance for loan losses | 704,000 | 719,000 | 737,000 | 663,000 |
| Securities available for sale | 300,000 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,258,000 | 57,248,000 | 57,840,000 | 60,493,000 |
| Interest-bearing deposits | 42,414,000 | 42,704,000 | 42,973,000 | 44,488,000 |
| Noninterest-bearing deposits | 13,844,000 | 14,544,000 | 14,867,000 | 16,005,000 |
| Equity capital | 9,892,000 | 9,666,000 | 9,612,000 | 9,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 936,000 | 1,886,000 | 2,825,000 | 3,769,000 |
| Interest expense | 78,000 | 152,000 | 229,000 | 305,000 |
| Net interest income | 858,000 | 1,734,000 | 2,596,000 | 3,464,000 |
| Noninterest income | 148,000 | 312,000 | 472,000 | 624,000 |
| Noninterest expense | 484,000 | 969,000 | 1,453,000 | 1,950,000 |
| Provision for loan losses | 31,000 | 63,000 | 84,000 | 84,000 |
| Pretax income | 491,000 | 1,014,000 | 1,531,000 | 2,054,000 |
| Income tax | 2,000 | 3,000 | 4,000 | 5,000 |
| Net income | 489,000 | 1,011,000 | 1,527,000 | 2,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,774,000 | 9,556,000 | 9,510,000 | 9,771,000 |
| Total capital | 10,478,000 | 10,275,000 | 10,247,000 | 10,434,000 |
| Risk-weighted assets | 62,023,000 | 62,091,000 | 63,816,000 | 64,227,000 |