Call reports 2004
FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED — 2004
What FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 48,609,000 | 49,535,000 | 49,469,000 | 49,035,000 |
| Total loans | 25,030,000 | 25,578,000 | 26,597,000 | 26,507,000 |
| Allowance for loan losses | 617,000 | 627,000 | 638,000 | 619,000 |
| Securities available for sale | 20,234,000 | 20,817,000 | 20,293,000 | 19,882,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,994,000 | 39,768,000 | 39,576,000 | 39,433,000 |
| Interest-bearing deposits | 30,245,000 | 29,923,000 | 29,710,000 | 30,330,000 |
| Noninterest-bearing deposits | 9,749,000 | 9,845,000 | 9,866,000 | 9,103,000 |
| Equity capital | 6,168,000 | 5,872,000 | 6,377,000 | 6,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 635,000 | 1,281,000 | 1,883,000 | 2,438,000 |
| Interest expense | 138,000 | 271,000 | 407,000 | 550,000 |
| Net interest income | 497,000 | 1,010,000 | 1,476,000 | 1,888,000 |
| Noninterest income | 31,000 | 67,000 | 153,000 | 263,000 |
| Noninterest expense | 324,000 | 672,000 | 1,003,000 | 1,382,000 |
| Provision for loan losses | 20,000 | 30,000 | 40,000 | 40,000 |
| Pretax income | 210,000 | 401,000 | 614,000 | 699,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 209,000 | 400,000 | 613,000 | 698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,010,000 | 6,201,000 | 6,414,000 | 6,499,000 |
| Total capital | 6,461,000 | 6,659,000 | 6,879,000 | 6,962,000 |
| Risk-weighted assets | 35,914,000 | 36,477,000 | 36,987,000 | 36,872,000 |